Institution Profile
Website:
FDIC Profile:
Established:
10/3/1907
Branches:
5
Branches by Region
AL 5
Financial Overview
Total Assets
$396.37M
Total Deposits
$346.56M
Total Loans
$250.40M
Equity Capital
$21.57M
Employees
57
Allowance for Loan Losses
$2.61M
Performance Ratios
Net Worth Ratio
5.44%
Loan-to-Deposit Ratio
72.25%
Coverage Ratio
1.04% Allowance / Total Loans
Net Income
$2.65M
Return on Assets (ROA)
0.69%
Return on Equity (ROE)
14.91%
Assets, Loans & Deposits Over Time
Assets, Loans & Deposits Over Time
Total Assets: +54.39% Total Deposits: +68.58% Total Loans: +166.08% since 2020 Q1
Employee Growth
Employee Growth
Employees: -1.72% since 2020 Q1
Loan Portfolio Breakdown
Current outstanding balances by loan type
1-4 Family Residential
$125.61M 50.3%
Commercial & Industrial
$42.41M 17.0%
Commercial Real Estate
$32.52M 13.0%
Construction
$24.57M 9.8%
Other Consumer
$12.65M 5.1%
Auto Loans
$8.12M 3.2%
Municipal
$3.16M 1.3%
Farmland
$767,000 0.3%
Agricultural
$148,000 0.1%
Portfolio Distribution
Net Income Trend
Net Income Trend
Net Income: +305.34% since 2020 Q1
Historical Data Table
| Quarter | Total Assets | Total Deposits | Total Loans | Net Income | Employees |
|---|---|---|---|---|---|
| 2025 Q4 | $396.37M | $346.56M | $250.40M | $2.65M | 57 |
| 2025 Q3 | $382.39M | $342.53M | $235.68M | $2.20M | 56 |
| 2025 Q2 | $369.03M | $334.90M | $215.85M | $2.12M | 58 |
| 2025 Q1 | $385.48M | $324.42M | $204.45M | $610,000 | 56 |
| 2024 Q4 | $376.95M | $320.21M | $189.06M | $1.94M | 54 |
| 2024 Q3 | $379.03M | $320.56M | $184.08M | $1.31M | 55 |
| 2024 Q2 | $370.19M | $317.05M | $175.61M | $812,000 | 56 |
| 2024 Q1 | $367.29M | $320.14M | $171.71M | $397,000 | 54 |
| 2023 Q4 | $371.68M | $323.29M | $170.71M | $1.77M | 57 |
| 2023 Q3 | $364.80M | $323.11M | $168.07M | $1.22M | 59 |
| 2023 Q2 | $373.15M | $325.49M | $164.22M | $742,000 | 58 |
| 2023 Q1 | $366.79M | $314.29M | $158.33M | $320,000 | 57 |
| 2022 Q4 | $347.28M | $301.68M | $147.54M | $4.44M | 57 |
| 2022 Q3 | $335.09M | $288.75M | $137.80M | $3.51M | 58 |
| 2022 Q2 | $323.83M | $279.88M | $126.67M | $2.50M | 58 |
| 2022 Q1 | $312.46M | $276.61M | $121.42M | $1.43M | 59 |
| 2021 Q4 | $302.61M | $240.80M | $113.64M | $4.50M | 57 |
| 2021 Q3 | $295.13M | $230.02M | $106.52M | $3.41M | 50 |
| 2021 Q2 | $296.08M | $229.58M | $104.82M | $1.98M | 55 |
| 2021 Q1 | $290.05M | $229.33M | $102.05M | $831,000 | 55 |
| 2020 Q4 | $294.69M | $235.77M | $103.28M | $3.18M | 57 |
| 2020 Q3 | $281.72M | $223.34M | $105.35M | $2.14M | 56 |
| 2020 Q2 | $276.76M | $221.27M | $100.96M | $1.28M | 58 |
| 2020 Q1 | $256.73M | $205.58M | $94.11M | $655,000 | 58 |