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Mission Statement

This bank was established to make a profit while serving the financial needs of (1) our community, (2) its businesses, and (3) its citizens. We are in the financial services business, and no line of financial services is beyond our charter as long as it serves the needs of businesses and families of our community.

The primary mission of this bank is to maximize its sustainable earnings. That is, we want to maximize the total earnings of the bank over the long term. When necessary, we will sacrifice short-term earnings for higher profits in the future, but only when an analysis shows that the short-term sacrifices are worth the long-term gains.

This bank is a responsible citizen and a business leader of the community. The bank takes its citizenship duties seriously and will not knowingly take actions that are adverse to the best interest of the community, its businesses or its families.

The bank's most important asset is its customers. Without our customers, we are nothing. Our products are designed to meet the needs of our customers; our hours are set to meet the needs of our customers; and our employees are hired to meet the needs of our customers. High quality customer service is the true mission of this bank. It is only through the accomplishment of this mission that we can reach our profitability goals.

The next most important asset of our bank is its employees. Without dedicated and responsible employees, it would be impossible for the bank to be a responsible citizen of the community or to render high quality customer service. A mission of this bank, therefore, is to be a responsible employer. All bank employees will be treated with dignity and respect. All will be given equal opportunity and a fair wage without respect to race, color, sex, age or physical handicap.

A one sentence statement of the bank's mission is as follows: The mission of this bank is to maximize its sustainable earnings while being a responsible business that renders high quality service to customers through the efforts of fairly treated employees.


By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor’s accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.

For more information about FDIC insurance coverage of noninterest-bearing transaction accounts, visit

Member FDIC
Equal Housing Lender

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