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
$580M
Total Deposits
$523M
Net Loans
$315M
Net Income
$1M
ROA
0.81%
Above avg for Small banks. Peer avg: 0.44%
ROE
8.70%
Risk-Based Capital
19.66%
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 | 79 | 77.22% | 8.86% |
| 2023 | 85 | 76.47% | 4.71% |
| 2022 | 150 | 76.67% | 12.00% |
| 2021 | 227 | 72.25% | 10.13% |
| 2020 | 248 | 75.4% | 9.27% |
| 2019 | 129 | 75.97% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Sep 2024 | Satisfactory | Intermediate Small Bank |
| Jan 2022 | Satisfactory | Intermediate Small Bank |
| Nov 2018 | Satisfactory | Intermediate Small Bank |
6 previous ratings locked — back to 1992
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Total Branches
3
Branch Deposits
$517M
1-Year Change
0
5-year net change: -2 branches
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Preview:
| 2018 | 121 | 75.21% | 6.61% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red