This institution is no longer active
Operations ceased on June 30, 2008. 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
Exceeds federal requirements for lending in low- and moderate-income communities
Exam Date
Exam Type
Regulator
Total Assets
$2.8B
Total Deposits
$1.9B
Net Loans
$2.6B
Net Income
$-131,304K
ROA
-17.63%
Below avg for Community banks. Peer avg: 0.90%
ROE
-267.52%
Risk-Based Capital
6.36%
Below 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 |
|---|---|---|---|
| 2022 | 103 | 64.08% | 31.07% |
| 2021 | 130 | 62.31% | 26.92% |
| 2020 | 29 | 65.52% | 10.34% |
| 2019 | 40 | 62.5% | 22.50% |
| 2018 | 101 | 62.38% | 18.81% |
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 |
|---|---|---|
| Feb 1999 | Outstanding | Small Bank |
| Mar 1996 | Satisfactory | Not Reported |
| Jan 1995 | Needs to Improve | Not Reported |
2 previous ratings locked — back to 1990
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Established
Total Assets