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
$1.2B
Total Deposits
$997M
Net Loans
$885M
Net Income
$-431K
ROA
-0.14%
Below avg for Community banks. Peer avg: 0.90%
ROE
-1.06%
Risk-Based Capital
19.14%
Above 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 | 1,897 | 75.22% | 4.32% |
| 2023 | 2,604 | 74.81% | 5.65% |
| 2022 | 3,886 | 75.76% | 5.51% |
| 2021 | 6,791 | 81.42% | 4.92% |
| 2020 | 6,439 | 75.46% | 8.54% |
| 2019 | 3,361 | 69.32% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Apr 2010 | Satisfactory | Small Bank |
| May 2008 | Needs to Improve | Small Bank |
| Jan 2003 | Satisfactory | Small Bank |
4 previous ratings locked — back to 1990
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Total Branches
5
Branch Deposits
$1.1B
1-Year Change
0
5-year net change: +1 branches
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| 12.88% |
| 2018 | 4,111 | 71.95% | 9.80% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red