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
$1.2B
Total Deposits
$1.0B
Net Loans
$635M
Net Income
$3M
ROA
1.11%
Above avg for Community banks. Peer avg: 0.90%
ROE
11.94%
Risk-Based Capital
30.78%
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 | 283 | 68.9% | 8.83% |
| 2023 | 282 | 68.09% | 12.77% |
| 2022 | 202 | 60.89% | 9.90% |
| 2021 | 190 | 61.05% | 10.00% |
| 2020 | 172 | 44.19% | 23.84% |
| 2019 | 178 | 68.54% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Jan 2026 | Needs to Improve | Intermediate Small Bank |
| Aug 2022 | Satisfactory | Intermediate Small Bank |
| Sep 2019 | Satisfactory | Intermediate Small Bank |
11 previous ratings locked — back to 1991
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Total Branches
2
Branch Deposits
$978M
1-Year Change
+1
5-year net change: +1 branches
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Preview:
| 2018 | 226 | 73.45% | 12.83% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red