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
$484M
Total Deposits
$390M
Net Loans
$388M
Net Income
$772K
ROA
0.64%
Above avg for Small banks. Peer avg: 0.44%
ROE
4.47%
Risk-Based Capital
18.93%
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 | 148 | 57.43% | 25.00% |
| 2023 | 178 | 61.24% | 19.66% |
| 2022 | 236 | 63.98% | 20.76% |
| 2021 | 381 | 67.98% | 19.16% |
| 2020 | 376 | 61.17% | 19.95% |
| 2019 | 262 | 62.98% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Jul 2023 | Satisfactory | Intermediate Small Bank |
| Sep 2019 | Satisfactory | Small Bank |
| Dec 2016 | Satisfactory | Small Bank |
6 previous ratings locked — back to 1992
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Total Branches
7
Branch Deposits
$378M
1-Year Change
0
5-year net change: +1 branches
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Preview:
| 19.08% |
| 2018 | 225 | 52% | 33.33% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red