CHARLOTTESVILLE, VA · Supervised by OCC (Office of the Comptroller of the Currency)
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
$1.6B
Total Deposits
$1.3B
Net Loans
$1.3B
Net Income
$4M
ROA
1.07%
Above avg for Community banks. Peer avg: 0.90%
ROE
9.20%
Risk-Based Capital
15.01%
Above avg for Community banks. Regulatory min: 8%
Compared to the peer-bank Community peer group (same asset tier).
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| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 151 | 90.73% | 2.65% |
| 2023 | 194 | 90.21% | 2.06% |
| 2022 | 218 | 84.4% | 2.29% |
| 2021 | 686 | 85.71% | 2.48% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red
| Exam Date | Rating | Exam Type |
|---|---|---|
| May 2025 | Satisfactory | Intermediate Small Bank |
| Jul 2022 | Satisfactory | Small Bank |
| Apr 2019 | Satisfactory | Small Bank |
2 previous ratings locked — back to 2009
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Total Branches
6
Branch Deposits
$1.2B
1-Year Change
+1
5-year net change: +1 branches
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