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
$901M
Total Deposits
$789M
Net Loans
$603M
Net Income
$3M
ROA
1.24%
Above avg for Small banks. Peer avg: 0.44%
ROE
19.28%
Risk-Based Capital
12.79%
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 | 262 | 72.9% | 20.61% |
| 2023 | 360 | 73.06% | 17.50% |
| 2022 | 480 | 75% | 14.38% |
| 2021 | 433 | 63.97% | 23.56% |
| 2020 | 437 | 62.47% | 24.03% |
| 2019 | 294 | 62.59% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Jul 2025 | Satisfactory | Intermediate Small Bank |
| Sep 2022 | Satisfactory | Intermediate Small Bank |
| Feb 2020 | Satisfactory | Intermediate Small Bank |
9 previous ratings locked — back to 1992
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Total Branches
14
Branch Deposits
$759M
1-Year Change
-1
5-year net change: -2 branches
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Preview:
| 2018 | 439 | 70.16% | 21.18% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red