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
$1.1B
Total Deposits
$938M
Net Loans
$726M
Net Income
$3M
ROA
1.04%
Above avg for Community banks. Peer avg: 0.90%
ROE
9.68%
Risk-Based Capital
15.24%
Above avg for Community banks. Regulatory min: 8%
Compared to the peer-bank Community peer group (same asset tier).
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| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 134 | 84.33% | 6.72% |
| 2023 | 2,112 | 53.93% | 12.22% |
| 2022 | 4,954 | 53.45% | 10.88% |
| 2021 | 9,912 | 66.05% | 9.22% |
| 2020 | 13,773 | 60.91% | 11.36% |
| 2019 | 7,182 | 56.67% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Mar 2022 | Satisfactory | Intermediate Small Bank |
| Sep 2018 | Satisfactory | Intermediate Small Bank |
| Jul 2015 | Satisfactory | Intermediate Small Bank |
3 previous ratings locked — back to 2004
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Total Branches
12
Branch Deposits
$828M
1-Year Change
0
5-year net change: -2 branches
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Preview:
| 12.39% |
| 2018 | 3,835 | 58.44% | 8.63% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red