Contact & Details
FDIC BankFindAddress
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
Exceeds federal requirements for lending in low- and moderate-income communities
Exam Date
Exam Type
Regulator
Total Assets
$206M
Total Deposits
$176M
Net Loans
$104M
Net Income
$280K
ROA
0.55%
Above avg for Small banks. Peer avg: 0.44%
ROE
4.05%
Risk-Based Capital
0.00%
Below avg for Small banks. Regulatory min: 8%
Compared to the peer-bank Small peer group (same asset tier).
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| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 68 | 85.29% | 11.76% |
| 2023 | 90 | 78.89% | 15.56% |
| 2022 | 141 | 80.14% | 10.64% |
| 2021 | 148 | 81.76% | 14.19% |
| 2020 | 63 | 77.78% | 11.11% |
| 2019 | 122 | 72.95% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Jul 2008 | Outstanding | Small Bank |
| Mar 2004 | Satisfactory | Small Bank |
| Mar 1999 | Satisfactory | Small Bank |
3 previous ratings locked — back to 1991
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Exam dates and details are paywalled
Total Branches
8
Branch Deposits
$172M
1-Year Change
0
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Preview:
| 2018 | 102 | 84.31% | 10.78% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red