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
$638M
Total Deposits
$513M
Net Loans
$474M
Net Income
$283K
ROA
0.18%
Below avg for Small banks. Peer avg: 0.44%
ROE
1.88%
Risk-Based Capital
14.51%
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 | 107 | 57.01% | 23.36% |
| 2023 | 174 | 66.09% | 17.82% |
| 2022 | 243 | 71.6% | 11.11% |
| 2021 | 273 | 71.79% | 13.55% |
| 2020 | 228 | 62.28% | 15.79% |
| 2019 | 162 | 79.63% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Aug 2024 | Satisfactory | Intermediate Small Bank |
| Apr 2021 | Satisfactory | Intermediate Small Bank |
| Aug 2018 | Satisfactory | Intermediate Small Bank |
8 previous ratings locked — back to 1990
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Total Branches
7
Branch Deposits
$513M
1-Year Change
0
5-year net change: -2 branches
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| 8.64% |
| 2018 | 175 | 73.71% | 12.00% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red