INDEPENDENCE, 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
$1.3B
Total Deposits
$1.2B
Net Loans
$1.1B
Net Income
$5M
ROA
1.45%
Above avg for Community banks. Peer avg: 0.90%
ROE
17.36%
Risk-Based Capital
11.61%
Below avg for Community banks. Regulatory min: 8%
Compared to the peer-bank Community peer group (same asset tier).
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| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 615 | 87.8% | 6.83% |
| 2023 | 618 | 86.41% | 6.47% |
| 2022 | 735 | 92.65% | 2.72% |
| 2021 | 389 | 91% | 2.83% |
| 2020 | 402 | 83.58% | 7.96% |
| 2019 | 380 | 75.53% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Aug 2025 | Satisfactory | Intermediate Small Bank |
| Aug 2022 | Outstanding | Intermediate Small Bank |
| Jul 2019 | Satisfactory | Intermediate Small Bank |
7 previous ratings locked — back to 1994
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Total Branches
28
Branch Deposits
$1.1B
1-Year Change
+1
5-year net change: +6 branches
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Preview:
| 2018 | 377 | 75.07% | 12.73% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red