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
$643M
Total Deposits
$586M
Net Loans
$495M
Net Income
$1M
ROA
0.76%
Above avg for Small banks. Peer avg: 0.44%
ROE
11.02%
Risk-Based Capital
12.06%
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 | 390 | 71.03% | 11.79% |
| 2023 | 468 | 73.72% | 10.26% |
| 2022 | 448 | 69.42% | 10.71% |
| 2021 | 608 | 72.7% | 10.53% |
| 2020 | 649 | 61.33% | 21.26% |
| 2019 | 507 | 66.07% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Nov 2024 | Satisfactory | Intermediate Small Bank |
| Aug 2021 | Satisfactory | Intermediate Small Bank |
| Dec 2018 | Satisfactory | Intermediate Small Bank |
8 previous ratings locked — back to 1992
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Total Branches
8
Branch Deposits
$578M
1-Year Change
0
5-year net change: +1 branches
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Preview:
| 17.36% |
| 2018 | 448 | 67.41% | 14.73% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red