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
$4.6B
Total Deposits
$3.9B
Net Loans
$3.9B
Net Income
$10M
ROA
0.91%
Above avg for Community banks. Peer avg: 0.90%
ROE
10.48%
Risk-Based Capital
12.80%
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 |
|---|---|---|---|
| 2024 | 1,655 | 67.61% | 17.34% |
| 2023 | 1,516 | 75.33% | 8.77% |
| 2022 | 2,316 | 86.7% | 1.68% |
| 2021 | 3,111 | 88.33% | 1.09% |
| 2020 | 3,592 | 88.92% | 0.78% |
| 2019 | 2,541 | 92.56% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| May 2025 | Satisfactory | Large Bank |
| Jun 2022 | Needs to Improve | Large Bank |
| Sep 2018 | Satisfactory | Intermediate Small Bank |
1 previous rating locked — back to 2015
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Total Branches
12
Branch Deposits
$3.7B
1-Year Change
0
5-year net change: -1 branches
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| 1.06% |
| 2018 | 1,286 | 89.27% | 0.86% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red