Contact & Details
FDIC BankFindWebsite
Address
County
Established
Total Assets
Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Meets federal requirements for community lending
Exam Date
Exam Type
Regulator
Total Assets
$3.3B
Total Deposits
$3.0B
Net Loans
$2.5B
Net Income
$7M
ROA
0.84%
Below avg for Community banks. Peer avg: 0.90%
ROE
12.79%
Risk-Based Capital
11.20%
Below avg for Community banks. Regulatory min: 8%
Total Assets — Last 8 Quarters
Compared to the peer-bank Community peer group (same asset tier).
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| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 340 | 53.24% | 19.12% |
| 2023 | 352 | 52.56% | 23.01% |
| 2022 | 504 | 55.75% | 17.46% |
| 2021 | 872 | 63.65% | 12.27% |
| 2020 | 994 | 69.22% | 11.57% |
| 2019 | 467 | 66.81% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Dec 2023 | Satisfactory | Large Bank |
| May 2020 | Satisfactory | Large Bank |
| Mar 2017 | Satisfactory | Large Bank |
9 previous ratings locked — back to 1991
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Total Branches
40
Branch Deposits
$2.9B
1-Year Change
+1
5-year net change: +2 branches
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| 14.35% |
| 2018 | 460 | 69.57% | 13.48% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red