This bank is one of the best examples of a turn-around story... and they're the lone community bank survivor in their market area. Net Income nearly doubled YoY from $2.01MM in 2014 to $3.9MM in 2015.
It always takes a while for the bigger markets to notice these small banks...they're simply unknown about on Wall St. but that can work to a retail investors advantage for a buy & hold strategy.
Book Value is now just under $5 and what makes that a real story is the bank is making money again - earnings are robust! ..and when you combine a discount price to entry with strong earnings you have a winner imo.
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