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
$3.9B
Total Deposits
$3.2B
Net Loans
$3.0B
Net Income
$13M
ROA
1.58%
Above avg for Community banks. Peer avg: 0.90%
ROE
14.09%
Risk-Based Capital
14.26%
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 | 68 | 77.94% | 10.29% |
| 2023 | 235 | 68.51% | 11.91% |
| 2022 | 453 | 68.87% | 12.80% |
| 2021 | 471 | 60.72% | 19.53% |
| 2020 | 371 | 72.78% | 14.82% |
| 2019 | 290 | 76.55% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Sep 2018 | Satisfactory | Intermediate Small Bank |
| Jun 2016 | Satisfactory | Intermediate Small Bank |
| Nov 2011 | Satisfactory | Small Bank |
1 previous rating locked — back to 2008
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Total Branches
29
Branch Deposits
$2.4B
1-Year Change
+1
5-year net change: -1 branches
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| 12.07% |
| 2018 | 294 | 76.53% | 14.29% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red