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
$313M
Total Deposits
$290M
Net Loans
$182M
Net Income
$171K
ROA
0.22%
Below avg for Small banks. Peer avg: 0.44%
ROE
3.40%
Risk-Based Capital
14.03%
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 | 1,597 | 71.51% | 10.02% |
| 2023 | 1,474 | 72.86% | 10.24% |
| 2022 | 2,195 | 66.51% | 14.44% |
| 2021 | 3,567 | 67.62% | 13.09% |
| 2020 | 4,542 | 66.67% | 12.35% |
| 2019 | 2,947 | 69.26% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Jan 2024 | Satisfactory | Small Bank |
| Jun 2020 | Satisfactory | Small Bank |
| Jun 2014 | Satisfactory | Small Bank |
5 previous ratings locked — back to 1992
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Total Branches
8
Branch Deposits
$274M
1-Year Change
0
5-year net change: +2 branches
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| 13.81% |
| 2018 | 2,430 | 72.39% | 13.66% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red