VALLEY MILLS, TX · Supervised by OCC (Office of the Comptroller of the Currency)
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
Exceeds federal requirements for lending in low- and moderate-income communities
Exam Date
Exam Type
Regulator
Total Assets
$186M
Total Deposits
$163M
Net Loans
$131M
Net Income
$952K
ROA
2.03%
Above avg for Small banks. Peer avg: 0.44%
ROE
16.76%
Risk-Based Capital
20.15%
Below avg for Small banks. Regulatory min: 8%
Compared to the peer-bank Small peer group (same asset tier).
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| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 43 | 86.05% | 6.98% |
| 2023 | 58 | 82.76% | 6.90% |
| 2022 | 66 | 83.33% | 12.12% |
| 2021 | 78 | 79.49% | 16.67% |
| 2020 | 79 | 82.28% | 7.59% |
| 2019 | 77 | 75.32% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Aug 2025 | Outstanding | Small Bank |
| Apr 2021 | Satisfactory | Small Bank |
| Nov 2016 | Satisfactory | Small Bank |
5 previous ratings locked — back to 1994
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Total Branches
4
Branch Deposits
$152M
1-Year Change
0
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Preview:
| 2018 | 57 | 82.46% | 7.02% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red