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
$368M
Total Deposits
$330M
Net Loans
$220M
Net Income
$2M
ROA
1.91%
Above avg for Small banks. Peer avg: 0.44%
ROE
20.55%
Risk-Based Capital
19.86%
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 | 145 | 80.69% | 6.90% |
| 2023 | 155 | 80% | 7.10% |
| 2022 | 220 | 76.36% | 11.36% |
| 2021 | 203 | 71.43% | 13.79% |
| 2020 | 169 | 66.27% | 20.12% |
| 2019 | 196 | 80.61% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Jul 2024 | Satisfactory | Small Bank |
| Jul 2021 | Satisfactory | Small Bank |
| May 2017 | Satisfactory | Small Bank |
4 previous ratings locked — back to 1993
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Total Branches
4
Branch Deposits
$308M
1-Year Change
0
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Preview:
| 2018 | 147 | 78.23% | 12.24% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red