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
$392M
Total Deposits
$346M
Net Loans
$216M
Net Income
$780K
ROA
0.80%
Above avg for Small banks. Peer avg: 0.44%
ROE
9.88%
Risk-Based Capital
14.48%
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 | 100 | 67% | 12.00% |
| 2023 | 109 | 68.81% | 12.84% |
| 2022 | 173 | 75.14% | 11.56% |
| 2021 | 324 | 68.21% | 15.74% |
| 2020 | 388 | 72.68% | 12.11% |
| 2019 | 204 | 66.18% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| May 2025 | Satisfactory | Small Bank |
| May 2022 | Satisfactory | Small Bank |
| Oct 2016 | Satisfactory | Small Bank |
6 previous ratings locked — back to 1992
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Total Branches
10
Branch Deposits
$327M
1-Year Change
0
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Preview:
| 2018 | 178 | 64.61% | 22.47% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red