This institution is no longer active
Operations ceased on July 12, 2002. 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
$171M
Total Deposits
$130M
Net Loans
$119M
Net Income
$1M
ROA
1.20%
Above avg for Small banks. Peer avg: 0.44%
ROE
9.48%
Risk-Based Capital
13.38%
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 | 571 | 77.93% | 9.46% |
| 2023 | 641 | 77.38% | 9.52% |
| 2022 | 1,013 | 79.76% | 8.49% |
| 2021 | 1,358 | 78.13% | 10.09% |
| 2020 | 1,522 | 77.86% | 7.49% |
| 2019 | 1,093 | 77.13% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Mar 1999 | Satisfactory | Small Bank |
| May 1996 | Outstanding | Not Reported |
| Dec 1993 | Satisfactory | Not Reported |
1 previous rating locked — back to 1991
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Preview:
Address
County
Established
Total Assets
| 9.15% |
| 2018 | 1,048 | 80.06% | 8.40% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red