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
$825M
Total Deposits
$707M
Net Loans
$685M
Net Income
$3M
ROA
1.24%
Above avg for Small banks. Peer avg: 0.44%
ROE
14.40%
Risk-Based Capital
11.54%
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 | 181 | 79.56% | 12.15% |
| 2023 | 235 | 83.83% | 10.21% |
| 2022 | 370 | 83.78% | 9.73% |
| 2021 | 262 | 78.24% | 12.60% |
| 2020 | 238 | 73.95% | 15.13% |
| 2019 | 248 | 66.94% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Jan 2026 | Satisfactory | Intermediate Small Bank |
| Oct 2022 | Satisfactory | Intermediate Small Bank |
| Apr 2020 | Satisfactory | Small Bank |
8 previous ratings locked — back to 1992
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Total Branches
14
Branch Deposits
$688M
1-Year Change
+1
5-year net change: +4 branches
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Preview:
| 18.95% |
| 2018 | 183 | 75.41% | 14.21% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red