This institution is no longer active
Operations ceased on October 16, 2003. 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
$65M
Total Deposits
$51M
Net Loans
$55M
Net Income
$1M
ROA
2.14%
Above avg for Small banks. Peer avg: 0.44%
ROE
16.44%
Risk-Based Capital
15.80%
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 | 80 | 52.5% | 35.00% |
| 2023 | 61 | 62.3% | 22.95% |
| 2022 | 75 | 41.33% | 32.00% |
| 2020 | 46 | 50% | 28.26% |
| 2019 | 60 | 66.67% | 20.00% |
| 2018 | 52 | 86.54% | 9.62% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Jul 2002 | Satisfactory | Small Bank |
| Aug 1997 | Satisfactory | Small Bank |
| Jan 1995 | Satisfactory | Not Reported |
1 previous rating locked — back to 1992
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Address
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Established
Total Assets
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red