This institution is no longer active
Operations ceased on August 2, 2014. CRA examination history below reflects the period it was active.
Contact & Details
FDIC BankFindFederal 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
$45M
Total Deposits
$41M
Net Loans
$36M
Net Income
$70K
ROA
0.31%
Below avg for Small banks. Peer avg: 0.44%
ROE
3.64%
Risk-Based Capital
11.03%
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 | 7,842 | 44.82% | 27.88% |
| 2023 | 7,687 | 41.86% | 33.60% |
| 2022 | 8,099 | 37.47% | 31.31% |
| 2021 | 10,261 | 36.62% | 33.01% |
| 2020 | 13,660 | 37.14% | 32.19% |
| 2019 | 10,148 | 37.2% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| May 2014 | Satisfactory | Small Bank |
| Jan 2009 | Satisfactory | Small Bank |
| Dec 2003 | Satisfactory | Small Bank |
4 previous ratings locked — back to 1991
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Preview:
Address
County
Established
Total Assets
| 37.56% |
| 2018 | 7,701 | 33.61% | 42.15% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red