This institution is no longer active
Operations ceased on June 21, 2024. CRA examination history below reflects the period it was active.
Contact & Details
FDIC BankFindFederal 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
$478M
Total Deposits
$393M
Net Loans
$422M
Net Income
$2M
ROA
1.31%
Above avg for Small banks. Peer avg: 0.44%
ROE
15.37%
Risk-Based Capital
10.87%
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 | 19 | 73.68% | 21.05% |
| 2023 | 77 | 92.21% | 3.90% |
| 2022 | 72 | 90.28% | 1.39% |
| 2021 | 66 | 92.42% | 3.03% |
| 2020 | 51 | 88.24% | 9.80% |
| 2019 | 17 | 100% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Dec 2022 | Satisfactory | Strategic Plan |
| Jul 2020 | Needs to Improve | Small Bank |
| May 2014 | Satisfactory | Small Bank |
6 previous ratings locked — back to 1992
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Address
County
Established
Total Assets
| 2018 | 19 | 100% | 0.00% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red