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
Exceeds federal requirements for lending in low- and moderate-income communities
Exam Date
Exam Type
Regulator
Total Assets
$4.0B
Total Deposits
$3.1B
Net Loans
$3.2B
Net Income
$6M
ROA
0.62%
Below avg for Community banks. Peer avg: 0.90%
ROE
5.34%
Risk-Based Capital
17.80%
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 | 293 | 59.73% | 15.02% |
| 2023 | 436 | 57.8% | 22.48% |
| 2022 | 707 | 66.62% | 11.32% |
| 2021 | 752 | 64.76% | 13.03% |
| 2020 | 713 | 57.5% | 13.32% |
| 2019 | 679 | 70.1% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Jan 2023 | Outstanding | Large Bank |
| Feb 2020 | Satisfactory | Large Bank |
| Jan 2017 | Satisfactory | Large Bank |
1 previous rating locked — back to 2014
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Total Branches
28
Branch Deposits
$3.1B
1-Year Change
0
5-year net change: +7 branches
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Preview:
| 2018 | 754 | 71.09% | 15.52% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red