JONESVILLE, 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
$518M
Total Deposits
$466M
Net Loans
$399M
Net Income
$992K
ROA
0.77%
Above avg for Small banks. Peer avg: 0.44%
ROE
8.14%
Risk-Based Capital
13.65%
Below avg for Small banks. Regulatory min: 8%
Compared to the peer-bank Small peer group (same asset tier).
Unlock peer list → See which specific banks are in this peer group.
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 149 | 71.14% | 14.09% |
| 2023 | 166 | 74.7% | 11.45% |
| 2022 | 284 | 83.8% | 8.45% |
| 2021 | 213 | 84.51% | 5.16% |
| 2020 | 155 | 78.71% | 9.68% |
| 2019 | 156 | 84.62% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Aug 2025 | Satisfactory | Intermediate Small Bank |
| Aug 2022 | Satisfactory | Small Bank |
| Jul 2019 | Satisfactory | Small Bank |
7 previous ratings locked — back to 1991
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Total Branches
7
Branch Deposits
$433M
1-Year Change
0
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Preview:
| 2018 | 184 | 87.5% | 5.98% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red