This institution is no longer active
Operations ceased on May 1, 2025. CRA examination history below reflects the period it was active.
Contact & Details
FDIC BankFindAddress
County
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
$306M
Total Deposits
$261M
Net Loans
$251M
Net Income
$-261K
ROA
-0.34%
Below avg for Small banks. Peer avg: 0.44%
ROE
-5.75%
Risk-Based Capital
12.95%
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 | 31 | 70.97% | 9.68% |
| 2023 | 90 | 62.22% | 23.33% |
| 2022 | 197 | 77.16% | 7.11% |
| 2021 | 239 | 78.24% | 9.21% |
| 2020 | 284 | 73.94% | 6.69% |
| 2019 | 201 | 82.09% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Jan 2022 | Satisfactory | Small Bank |
| Jan 2016 | Satisfactory | Small Bank |
| Oct 2009 | Satisfactory | Small Bank |
5 previous ratings locked — back to 1992
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Preview:
Established
Total Assets
| 2018 | 134 | 76.12% | 10.45% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red