This institution is no longer active
Operations ceased on October 30, 2000. 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
$361M
Total Deposits
$306M
Net Loans
$304M
Net Income
$3M
ROA
1.19%
Above avg for Small banks. Peer avg: 0.44%
ROE
9.18%
Risk-Based Capital
10.34%
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 | 6,500 | 77.89% | 5.22% |
| 2023 | 6,154 | 77.66% | 5.07% |
| 2022 | 8,480 | 79.35% | 4.86% |
| 2021 | 16,586 | 81.23% | 4.17% |
| 2020 | 18,341 | 81.81% | 2.44% |
| 2019 | 11,428 | 79.38% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Mar 2000 | Satisfactory | Small Bank |
| Mar 1997 | Satisfactory | Small Bank |
| Sep 1994 | Satisfactory | Not Reported |
1 previous rating locked — back to 1992
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Address
County
Established
Total Assets
| 4.16% |
| 2018 | 11,843 | 76.53% | 4.42% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red