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
$956M
Total Deposits
$851M
Net Loans
$685M
Net Income
$3M
ROA
1.24%
Above avg for Small banks. Peer avg: 0.44%
ROE
14.30%
Risk-Based Capital
14.16%
Below avg for Small banks. Regulatory min: 8%
Total Assets — Last 8 Quarters
Compared to the peer-bank Small peer group (same asset tier).
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| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 96 | 57.29% | 27.08% |
| 2023 | 156 | 48.72% | 27.56% |
| 2022 | 305 | 55.74% | 18.69% |
| 2021 | 299 | 63.21% | 14.05% |
| 2020 | 303 | 66.67% | 16.83% |
| 2019 | 290 | 66.21% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Dec 1999 | Satisfactory | Small Bank |
| Jan 1997 | Satisfactory | Small Bank |
| May 1995 | Satisfactory | Not Reported |
1 previous rating locked — back to 1993
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Total Branches
17
Branch Deposits
$866M
1-Year Change
+1
5-year net change: +2 branches
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Preview:
| 2018 | 303 | 67% | 17.16% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red