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
$426M
Total Deposits
$388M
Net Loans
$288M
Net Income
$1M
ROA
1.22%
Above avg for Small banks. Peer avg: 0.44%
ROE
15.16%
Risk-Based Capital
14.62%
Below avg for Small banks. Regulatory min: 8%
Total Assets — Last 8 Quarters
Compared to the peer-bank Small peer group (same asset tier).
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| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 175 | 87.43% | 4.00% |
| 2023 | 173 | 84.97% | 4.62% |
| 2022 | 177 | 90.96% | 4.52% |
| 2021 | 371 | 90.03% | 2.43% |
| 2020 | 504 | 91.47% | 3.17% |
| 2019 | 220 | 85.45% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Jan 2024 | Satisfactory | Intermediate Small Bank |
| Nov 2020 | Satisfactory | Small Bank |
| Oct 2017 | Satisfactory | Small Bank |
7 previous ratings locked — back to 1991
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Total Branches
10
Branch Deposits
$393M
1-Year Change
0
5-year net change: +2 branches
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Preview:
| 2018 | 166 | 89.76% | 4.82% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red