Institution Profile
Website:
FDIC Profile:
Established:
11/19/1992
Branches:
4
Branches by Region
TN 3 AL 1
Financial Overview
Total Assets
$364.99M
Total Deposits
$318.28M
Total Loans
$227.79M
Equity Capital
$42.95M
Employees
43
Allowance for Loan Losses
$3.28M
Performance Ratios
Net Worth Ratio
11.77%
Loan-to-Deposit Ratio
71.57%
Coverage Ratio
1.44% Allowance / Total Loans
Net Income
$6.36M
Return on Assets (ROA)
1.80%
Return on Equity (ROE)
15.70%
Assets, Loans & Deposits Over Time
Assets, Loans & Deposits Over Time
Total Assets: +52.49% Total Deposits: +55.70% Total Loans: +46.01% since 2020 Q1
Employee Growth
Employee Growth
Employees: -2.27% since 2020 Q1
Loan Portfolio Breakdown
Current outstanding balances by loan type
1-4 Family Residential
$67.00M 29.4%
Construction
$53.57M 23.5%
Commercial & Industrial
$45.20M 19.8%
Commercial Real Estate
$33.47M 14.7%
Farmland
$14.56M 6.4%
Agricultural
$6.39M 2.8%
Other Consumer
$3.89M 1.7%
Auto Loans
$3.19M 1.4%
Municipal
$450,000 0.2%
Portfolio Distribution
Net Income Trend
Net Income Trend
Net Income: +515.38% since 2020 Q1
Historical Data Table
| Quarter | Total Assets | Total Deposits | Total Loans | Net Income | Employees |
|---|---|---|---|---|---|
| 2025 Q4 | $364.99M | $318.28M | $227.79M | $6.36M | 43 |
| 2025 Q3 | $355.78M | $308.16M | $217.11M | $4.54M | 43 |
| 2025 Q2 | $352.60M | $308.06M | $211.59M | $2.97M | 43 |
| 2025 Q1 | $346.77M | $303.20M | $210.45M | $1.61M | 43 |
| 2024 Q4 | $347.58M | $306.42M | $213.58M | $5.07M | 43 |
| 2024 Q3 | $344.75M | $293.14M | $211.34M | $3.47M | 43 |
| 2024 Q2 | $334.47M | $286.66M | $208.68M | $2.42M | 43 |
| 2024 Q1 | $331.96M | $285.76M | $212.63M | $1.20M | 43 |
| 2023 Q4 | $315.29M | $277.79M | $207.57M | $5.35M | 43 |
| 2023 Q3 | $301.95M | $265.67M | $199.69M | $4.07M | 43 |
| 2023 Q2 | $303.64M | $267.48M | $189.99M | $2.93M | 43 |
| 2023 Q1 | $319.10M | $283.40M | $179.67M | $1.44M | 43 |
| 2022 Q4 | $344.61M | $311.07M | $178.69M | $6.17M | 43 |
| 2022 Q3 | $314.03M | $280.34M | $175.12M | $4.69M | 43 |
| 2022 Q2 | $301.18M | $268.29M | $167.86M | $3.19M | 42 |
| 2022 Q1 | $307.92M | $271.31M | $160.84M | $1.66M | 41 |
| 2021 Q4 | $311.00M | $273.45M | $156.54M | $4.53M | 41 |
| 2021 Q3 | $298.88M | $260.02M | $158.19M | $3.18M | 41 |
| 2021 Q2 | $288.29M | $251.00M | $160.48M | $1.97M | 41 |
| 2021 Q1 | $289.39M | $252.73M | $157.39M | $927,000 | 42 |
| 2020 Q4 | $276.66M | $240.67M | $154.45M | $4.11M | 44 |
| 2020 Q3 | $262.47M | $225.67M | $159.50M | $2.98M | 44 |
| 2020 Q2 | $253.63M | $218.03M | $165.61M | $1.89M | 44 |
| 2020 Q1 | $239.35M | $204.42M | $156.01M | $1.03M | 44 |