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
Exceeds federal requirements for lending in low- and moderate-income communities
Exam Date
Exam Type
Regulator
Total Assets
$4.0B
Total Deposits
$3.3B
Net Loans
$3.0B
Net Income
$12M
ROA
1.16%
Above avg for Community banks. Peer avg: 0.90%
ROE
12.89%
Risk-Based Capital
13.53%
Above avg for Community banks. Regulatory min: 8%
Total Assets — Last 8 Quarters
Compared to the peer-bank Community peer group (same asset tier).
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| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 37 | 81.08% | 10.81% |
| 2023 | 81 | 81.48% | 13.58% |
| 2022 | 98 | 76.53% | 13.27% |
| 2021 | 105 | 78.1% | 10.48% |
| 2020 | 128 | 85.94% | 7.81% |
| 2019 | 118 | 86.44% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Jan 2024 | Outstanding | Large Bank |
| Nov 2020 | Outstanding | Large Bank |
| Jan 2018 | Outstanding | Large Bank |
11 previous ratings locked — back to 1992
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Total Branches
11
Branch Deposits
$3.4B
1-Year Change
0
5-year net change: -2 branches
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Preview:
| 2018 | 64 | 82.81% | 12.50% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red