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
$596M
Total Deposits
$510M
Net Loans
$424M
Net Income
$2M
ROA
1.07%
Above avg for Small banks. Peer avg: 0.44%
ROE
13.21%
Risk-Based Capital
13.40%
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 | 248 | 68.15% | 17.74% |
| 2023 | 268 | 70.52% | 14.93% |
| 2022 | 324 | 72.22% | 11.73% |
| 2021 | 399 | 72.93% | 11.28% |
| 2020 | 384 | 80.21% | 10.68% |
| 2019 | 267 | 70.04% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| May 2024 | Satisfactory | Intermediate Small Bank |
| Mar 2021 | Satisfactory | Small Bank |
| May 2018 | Satisfactory | Small Bank |
9 previous ratings locked — back to 1990
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Total Branches
4
Branch Deposits
$478M
1-Year Change
0
5-year net change: +2 branches
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| 18.35% |
| 2018 | 314 | 70.7% | 18.79% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red