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
$3.0B
Total Deposits
$2.4B
Net Loans
$2.1B
Net Income
$5M
ROA
0.62%
Below avg for Community banks. Peer avg: 0.90%
ROE
5.68%
Risk-Based Capital
17.48%
Above avg for Community banks. Regulatory min: 8%
Total Assets — Last 8 Quarters
Compared to the peer-bank Community peer group (same asset tier).
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| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 708 | 75.42% | 10.31% |
| 2023 | 709 | 74.89% | 11.14% |
| 2022 | 1,118 | 74.42% | 11.90% |
| 2021 | 1,002 | 82.44% | 7.39% |
| 2020 | 1,145 | 77.99% | 8.56% |
| 2019 | 761 | 73.98% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Oct 2025 | Satisfactory | Large Bank |
| Mar 2024 | Needs to Improve | Large Bank |
| Dec 2019 | Satisfactory | Large Bank |
10 previous ratings locked — back to 1993
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Total Branches
22
Branch Deposits
$2.4B
1-Year Change
0
5-year net change: -3 branches
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Preview:
| 14.19% |
| 2018 | 809 | 73.42% | 15.45% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red