This institution is no longer active
Operations ceased on November 1, 2014. 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
$862M
Total Deposits
$780M
Net Loans
$497M
Net Income
$3M
ROA
0.52%
Above avg for Small banks. Peer avg: 0.44%
ROE
5.69%
Risk-Based Capital
15.20%
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 | 194 | 84.54% | 5.67% |
| 2023 | 258 | 84.5% | 5.04% |
| 2022 | 203 | 71.92% | 8.87% |
| 2021 | 361 | 82.83% | 8.03% |
| 2020 | 524 | 82.44% | 8.97% |
| 2019 | 317 | 82.02% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Oct 2014 | Satisfactory | Intermediate Small Bank |
| Oct 2011 | Satisfactory | Intermediate Small Bank |
| Jun 2008 | Satisfactory | Intermediate Small Bank |
3 previous ratings locked — back to 1998
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Address
County
Established
Total Assets
| 2018 | 252 | 78.57% | 13.89% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red