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
$3.6B
Total Deposits
$3.2B
Net Loans
$3.1B
Net Income
$5M
ROA
0.60%
Below avg for Community banks. Peer avg: 0.90%
ROE
7.19%
Risk-Based Capital
13.16%
Above 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 |
|---|---|---|---|
| 2024 | 514 | 70.82% | 14.98% |
| 2023 | 456 | 74.56% | 13.60% |
| 2022 | 592 | 77.53% | 8.95% |
| 2021 | 284 | 74.3% | 4.58% |
| 2020 | 360 | 73.89% | 7.22% |
| 2019 | 275 | 80.36% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Oct 2025 | Satisfactory | Strategic Plan |
| Nov 2023 | Needs to Improve | Large Bank |
| Aug 2022 | Substantial Noncompliance | Intermediate Small Bank |
5 previous ratings locked — back to 2004
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Total Branches
15
Branch Deposits
$3.0B
1-Year Change
0
5-year net change: +1 branches
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Preview:
| 2018 | 271 | 90.04% | 4.06% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red