This institution is no longer active
Operations ceased on April 1, 2013. CRA examination history below reflects the period it was active.
Contact & Details
FDIC BankFindFederal 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
$39M
Total Deposits
$33M
Net Loans
$23M
Net Income
$178K
ROA
1.76%
Above avg for Small banks. Peer avg: 0.44%
ROE
22.07%
Risk-Based Capital
16.24%
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 |
|---|---|---|---|
| 2022 | 125 | 60% | 28.00% |
| 2021 | 133 | 66.92% | 23.31% |
| 2020 | 143 | 55.94% | 29.37% |
| 2019 | 100 | 36% | 51.00% |
| 2018 | 94 | 51.06% | 35.11% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red
| Exam Date | Rating | Exam Type |
|---|---|---|
| Jun 2008 | Satisfactory | Small Bank |
| May 2003 | Satisfactory | Small Bank |
| Sep 1998 | Satisfactory | Small Bank |
3 previous ratings locked — back to 1990
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Established
Total Assets