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
Has deficiencies in community lending that regulators have identified
Exam Date
Exam Type
Regulator
Total Assets
$1.1B
Total Deposits
$973M
Net Loans
$782M
Net Income
$4M
ROA
1.52%
Above avg for Community banks. Peer avg: 0.90%
ROE
16.68%
Risk-Based Capital
14.59%
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 | 589 | 86.76% | 3.57% |
| 2023 | 632 | 88.61% | 3.32% |
| 2022 | 798 | 92.86% | 2.01% |
| 2021 | 1,553 | 95.24% | 0.71% |
| 2020 | 1,405 | 90.18% | 2.49% |
| 2019 | 288 | 77.78% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Mar 2024 | Needs to Improve | Intermediate Small Bank |
| Apr 2020 | Satisfactory | Intermediate Small Bank |
| Aug 2017 | Satisfactory | Intermediate Small Bank |
1 previous rating locked — back to 2014
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Total Branches
22
Branch Deposits
$929M
1-Year Change
0
5-year net change: -1 branches
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| 10.76% |
| 2018 | 241 | 74.27% | 14.94% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red