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
Exceeds federal requirements for lending in low- and moderate-income communities
Exam Date
Exam Type
Regulator
Total Assets
$580M
Total Deposits
$505M
Net Loans
$446M
Net Income
$557K
ROA
0.38%
Below avg for Small banks. Peer avg: 0.44%
ROE
4.45%
Risk-Based Capital
15.11%
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 | 133 | 75.19% | 5.26% |
| 2023 | 217 | 81.11% | 3.69% |
| 2022 | 230 | 76.96% | 7.39% |
| 2021 | 250 | 80% | 3.20% |
| 2020 | 320 | 71.25% | 3.44% |
| 2019 | 257 | 80.54% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Feb 2023 | Outstanding | Intermediate Small Bank |
| Apr 2020 | Satisfactory | Intermediate Small Bank |
| May 2017 | Outstanding | Intermediate Small Bank |
1 previous rating locked — back to 2014
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Total Branches
8
Branch Deposits
$495M
1-Year Change
0
5-year net change: +1 branches
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Preview:
| 2018 | 232 | 75.43% | 3.45% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red