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
$632M
Total Deposits
$556M
Net Loans
$410M
Net Income
$2M
ROA
1.14%
Above avg for Small banks. Peer avg: 0.44%
ROE
9.61%
Risk-Based Capital
17.00%
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 | 62 | 80.65% | 6.45% |
| 2023 | 87 | 82.76% | 6.90% |
| 2022 | 161 | 80.75% | 4.35% |
| 2021 | 231 | 83.55% | 3.46% |
| 2020 | 377 | 83.55% | 5.84% |
| 2019 | 158 | 84.81% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Dec 2022 | Satisfactory | Intermediate Small Bank |
| Sep 2019 | Satisfactory | Intermediate Small Bank |
| Aug 2016 | Satisfactory | Intermediate Small Bank |
4 previous ratings locked — back to 1994
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Total Branches
12
Branch Deposits
$521M
1-Year Change
0
5-year net change: +3 branches
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Preview:
| 2018 | 168 | 73.81% | 10.12% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red