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
$648M
Total Deposits
$581M
Net Loans
$408M
Net Income
$3M
ROA
1.69%
Above avg for Small banks. Peer avg: 0.44%
ROE
17.41%
Risk-Based Capital
15.47%
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 | 106 | 66.04% | 16.98% |
| 2023 | 157 | 63.06% | 17.83% |
| 2022 | 215 | 66.98% | 13.02% |
| 2021 | 271 | 74.91% | 10.33% |
| 2020 | 436 | 78.67% | 5.73% |
| 2019 | 229 | 72.49% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Aug 2023 | Satisfactory | Intermediate Small Bank |
| Jun 2020 | Satisfactory | Intermediate Small Bank |
| May 2017 | Satisfactory | Small Bank |
7 previous ratings locked — back to 1991
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Total Branches
12
Branch Deposits
$587M
1-Year Change
0
5-year net change: -1 branches
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| 15.28% |
| 2018 | 186 | 66.13% | 18.28% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red