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
$1.1B
Total Deposits
$859M
Net Loans
$885M
Net Income
$2M
ROA
0.73%
Below avg for Community banks. Peer avg: 0.90%
ROE
8.78%
Risk-Based Capital
12.26%
Below 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 | 825 | 74.18% | 13.45% |
| 2023 | 935 | 75.61% | 13.48% |
| 2022 | 921 | 79.37% | 9.45% |
| 2021 | 1,026 | 75.54% | 9.94% |
| 2020 | 1,318 | 80.5% | 8.19% |
| 2019 | 462 | 82.68% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Jun 2025 | Satisfactory | Intermediate Small Bank |
| Jun 2022 | Satisfactory | Intermediate Small Bank |
| Jun 2019 | Satisfactory | Intermediate Small Bank |
9 previous ratings locked — back to 1993
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Total Branches
13
Branch Deposits
$848M
1-Year Change
0
5-year net change: +3 branches
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| 8.66% |
| 2018 | 472 | 81.99% | 10.17% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red