This institution is no longer active
Operations ceased on March 11, 2005. 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
Exceeds federal requirements for lending in low- and moderate-income communities
Exam Date
Exam Type
Regulator
Total Assets
$81M
Total Deposits
$70M
Net Loans
$65M
Net Income
$919K
ROA
1.10%
Above avg for Small banks. Peer avg: 0.44%
ROE
10.80%
Risk-Based Capital
13.43%
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 | 180 | 48.89% | 33.33% |
| 2023 | 177 | 49.72% | 35.03% |
| 2022 | 227 | 61.23% | 26.87% |
| 2021 | 266 | 48.87% | 39.85% |
| 2020 | 221 | 52.49% | 30.77% |
| 2019 | 168 | 55.36% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Oct 1999 | Outstanding | Small Bank |
| May 1996 | Satisfactory | Small Bank |
| Jul 1993 | Satisfactory | Not Reported |
1 previous rating locked — back to 1990
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Preview:
Address
County
Established
Total Assets
| 31.55% |
| 2018 | 165 | 53.33% | 32.73% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red