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
$843M
Total Deposits
$712M
Net Loans
$610M
Net Income
$2M
ROA
0.93%
Above avg for Small banks. Peer avg: 0.44%
ROE
6.60%
Risk-Based Capital
24.12%
Above 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 | 219 | 59.82% | 20.55% |
| 2023 | 306 | 61.44% | 20.92% |
| 2022 | 495 | 56.97% | 20.00% |
| 2021 | 672 | 64.14% | 17.11% |
| 2020 | 783 | 62.84% | 19.92% |
| 2019 | 487 | 69.61% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Jan 2025 | Satisfactory | Intermediate Small Bank |
| Apr 2022 | Satisfactory | Intermediate Small Bank |
| Dec 2018 | Satisfactory | Intermediate Small Bank |
9 previous ratings locked — back to 1991
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Total Branches
12
Branch Deposits
$707M
1-Year Change
0
5-year net change: +1 branches
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| 15.20% |
| 2018 | 363 | 62.53% | 18.46% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red