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
$1.3B
Total Deposits
$1.1B
Net Loans
$989M
Net Income
$3M
ROA
0.79%
Below avg for Community banks. Peer avg: 0.90%
ROE
6.64%
Risk-Based Capital
0.00%
Below 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 | 573 | 67.02% | 19.37% |
| 2023 | 535 | 70.47% | 17.76% |
| 2022 | 853 | 75.62% | 13.36% |
| 2021 | 764 | 74.21% | 10.99% |
| 2020 | 1,079 | 67.47% | 14.18% |
| 2019 | 591 | 63.28% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| May 2025 | Outstanding | Intermediate Small Bank |
| Sep 2022 | Satisfactory | Intermediate Small Bank |
| May 2019 | Satisfactory | Intermediate Small Bank |
9 previous ratings locked — back to 1990
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Total Branches
13
Branch Deposits
$1.4B
1-Year Change
-1
5-year net change: -2 branches
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Preview:
| 15.23% |
| 2018 | 497 | 67.4% | 16.10% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red