This institution is no longer active
Operations ceased on October 1, 2024. 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
$518M
Total Deposits
$454M
Net Loans
$417M
Net Income
$3M
ROA
0.89%
Above avg for Small banks. Peer avg: 0.44%
ROE
7.65%
Risk-Based Capital
15.41%
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 |
|---|---|---|---|
| 2023 | 9 | 77.78% | 11.11% |
| 2022 | 334 | 87.13% | 2.10% |
| 2021 | 583 | 89.02% | 2.40% |
| 2020 | 694 | 88.62% | 2.74% |
| 2019 | 415 | 85.54% | 3.61% |
| 2018 | 304 | 81.91% | 3.62% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Apr 2022 | Satisfactory | Strategic Plan |
| Mar 2019 | Satisfactory | Strategic Plan |
| Jun 2014 | Satisfactory | Strategic Plan |
6 previous ratings locked — back to 1994
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Established
Total Assets
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red