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
$510M
Total Deposits
$443M
Net Loans
$409M
Net Income
$192K
ROA
0.15%
Below avg for Small banks. Peer avg: 0.44%
ROE
1.78%
Risk-Based Capital
15.96%
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 | 97 | 59.79% | 16.49% |
| 2023 | 195 | 71.28% | 9.23% |
| 2022 | 402 | 75.37% | 8.21% |
| 2021 | 544 | 74.08% | 7.35% |
| 2020 | 474 | 79.11% | 5.91% |
| 2019 | 418 | 82.06% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Feb 2025 | Satisfactory | Intermediate Small Bank |
| Nov 2021 | Satisfactory | Intermediate Small Bank |
| Feb 2019 | Satisfactory | Intermediate Small Bank |
7 previous ratings locked — back to 1993
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Total Branches
5
Branch Deposits
$459M
1-Year Change
-1
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Preview:
| 2018 | 381 | 83.2% | 3.15% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red