Contact & Details
FDIC BankFindAddress
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
$539M
Total Deposits
$450M
Net Loans
$271M
Net Income
$825K
ROA
0.62%
Above avg for Small banks. Peer avg: 0.44%
ROE
6.72%
Risk-Based Capital
0.00%
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 | 248 | 80.65% | 10.89% |
| 2023 | 226 | 79.2% | 13.72% |
| 2022 | 358 | 84.36% | 6.70% |
| 2021 | 492 | 79.47% | 12.20% |
| 2020 | 543 | 84.71% | 7.73% |
| 2019 | 392 | 81.63% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Sep 2025 | Satisfactory | Intermediate Small Bank |
| Dec 2022 | Satisfactory | Intermediate Small Bank |
| Oct 2019 | Satisfactory | Intermediate Small Bank |
7 previous ratings locked — back to 1994
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Total Branches
4
Branch Deposits
$418M
1-Year Change
0
5-year net change: -1 branches
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Preview:
| 2018 | 354 | 74.58% | 14.12% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red