List of Failed Banks in the United States 2023 [Recent] (2024)

In this blog post, we will be reviewing the list of failed banks in the United States.It's never good news when we hear about a bank failure, and unfortunately, there have been quite a few in the United States over the years. From Washington Mutual and IndyMac in 2008 to Guaranty Bank and First NBC Bank in 2017, these failures can have a big impact on customers, employees, and the economy as a whole. While there are often warning signs leading up to a bank failure, it can still be a shock and a disappointment to those affected.2

It's important to remember, though, that the government has systems in place to help protect customers' deposits and ensure that the banking industry remains stable overall. Banks are an important part of our financial system, but unfortunately, they can fail from time to time. There are a few reasons why this might happen. One common cause is undercapitalization, which means that the bank doesn't have enough money to cover its obligations.

Another factor is loan quality – if a bank makes too many bad loans, it can end up losing a lot of money. Additionally, losses on investment securities can also contribute to a bank's failure. When a bank fails, it can have a ripple effect on the economy and on the people who have accounts with that bank. That's why it's important for regulators to keep a close eye on banks and step in when necessary to prevent failures from happening.

ALSO READ: Which Banks Are in Danger of Failing or Collapse?

Bank Failures This Week – The Citizens Bank, Sac City, Iowa

The latest bank that collapsed was The Citizens Bank, Sac City, Iowa. Citizens Bank's closure marks the fifth bank failure in the nation in 2023. The last bank failure in Iowa was Polk County Bank in Johnston, which occurred on November 18, 2011, highlighting the rarity of such events in the state.

It faced closure as the Iowa Division of Banking took action. The Federal Deposit Insurance Corporation (FDIC) was appointed as the receiver to safeguard the interests of depositors. In a move to ensure depositors' safety, the FDIC forged a Purchase and Assumption Agreement with Iowa Trust & Savings Bank, Emmetsburg, Iowa. Iowa Trust & Savings Bank would take on the responsibility of securing all the deposits of Citizens Bank.

The transition for customers of Citizens Bank would be smooth and efficient. The two branches of Citizens Bank will reopen as branches of Iowa Trust & Savings Bank during normal business hours, starting on Monday. Depositors can access their funds through check writing or ATM and debit card usage throughout the weekend. Checks drawn on the bank will continue to be processed, and loan customers should make their payments as usual.

Depositors of Citizens Bank need not worry about changing their banking relationship to maintain their deposit insurance coverage. They will automatically become depositors of Iowa Trust & Savings Bank, ensuring continuity in their financial security.

As of September 30, 2023, Citizens Bank held approximately $66 million in total assets and $59 million in total deposits. Iowa Trust & Savings Bank has also agreed to purchase most of the failed bank's assets, securing the financial well-being of its customers.

The FDIC estimates that the cost to the Deposit Insurance Fund (DIF) will be $14.8 million. This resolution by Iowa Trust & Savings Bank is considered the least costly option compared to other alternatives, emphasizing the importance of the DIF in protecting the nation's bank deposits.

To prevent bank failures, regulators closely monitor banks and enforce regulations to ensure that they are adequately capitalized and managing risk appropriately. In addition, deposit insurance programs such as the Federal Deposit Insurance Corporation (FDIC) in the United States help protect customers' deposits in the event of a bank failure.

ALSO READ:

List of Banks Examined for CRA Compliance – November 2023

The Federal Deposit Insurance Corporation (FDIC) recently released its list of state nonmember banks that were evaluated for compliance with the Community Reinvestment Act (CRA). This list, which covers evaluation ratings assigned by the FDIC in August 2023, plays a crucial role in promoting responsible banking practices and community development.

Understanding the Community Reinvestment Act (CRA)

The CRA, enacted in 1977, serves as a cornerstone of ensuring that insured banks and thrifts contribute to the betterment of their communities. This law encourages financial institutions to meet the credit needs of local communities, particularly those in low- and moderate-income neighborhoods, all while maintaining safe and sound operations.

Mandatory Public Disclosure

In 1989, as part of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA), the Congress mandated the public disclosure of evaluation and rating reports for each bank or thrift that undergoes a CRA examination on or after July 1, 1990. This transparency ensures that banks are held accountable for their community reinvestment efforts.

Accessing the Evaluation Results

If you're interested in obtaining information about state nonmember banks' CRA evaluations, the FDIC provides a consolidated list that has been publicly available since July 1, 1990. This list includes the rating for each bank. You can access this information online or obtain a hard copy from the FDIC's Public Information Center at 3501 Fairfax Drive, Room E-1002, Arlington, VA 22226. For inquiries, you can contact them at 877-275-3342 or 703-562-2200.

Requesting Individual Bank Evaluations

If you need the CRA evaluation for a specific bank, it's good to know that these reports are available directly from the bank itself. The law requires banks to make this information available upon request. You can also request these evaluations from the FDIC's Public Information Center, ensuring transparency and accessibility for the public.

The release of the FDIC's list of banks evaluated for CRA compliance underscores the importance of transparency and accountability in the banking industry. The Community Reinvestment Act continues to be a vital tool in promoting responsible banking practices and ensuring that financial institutions are actively contributing to the well-being of their local communities.

With public access to these evaluation reports, consumers and communities can make informed decisions about their banking relationships and hold banks accountable for their community reinvestment efforts. It's a step towards a more equitable and responsible banking sector.

List of Recent Failed Banks [2021 – 2023]

Bank Name

City

State

Cert

Acquiring Institution

Closing Date

Fund

Citizens BankSac CityIA8758Iowa Trust & Savings BankNovember 3, 202310545
Heartland Tri-State BankElkhartKS25851Dream First Bank, N.A.July 28, 202310544
First Republic BankSan FranciscoCA59017JPMorgan Chase Bank, N.A.May 1, 202310543
Signature BankNew YorkNY57053Flagstar Bank, N.A.March 12, 202310540
Silicon Valley BankSanta ClaraCA24735First–Citizens Bank & Trust CompanyMarch 10, 202310539

List of Recent Failed Banks [2015 – 2020]

Bank NameCityStateAcquiring InstitutionClosing Date
Almena State BankAlmenaKSEquity BankOctober 23, 2020
First City Bank of FloridaFort Walton BeachFLUnited Fidelity Bank, fsbOctober 16, 2020
The First State BankBarboursvilleWVMVB Bank, Inc.April 3, 2020
Ericson State BankEricsonNEFarmers and Merchants BankFebruary 14, 2020
City National Bank of New JerseyNewarkNJIndustrial BankNovember 1, 2019
Resolute BankMaumeeOHBuckeye State BankOctober 25, 2019
Louisa Community BankLouisaKYKentucky Farmers Bank CorporationOctober 25, 2019
The Enloe State BankCooperTXLegend Bank, N. A.May 31, 2019
Washington Federal Bank for SavingsChicagoILRoyal Savings BankDecember 15, 2017
The Farmers and Merchants State Bank of ArgoniaArgoniaKSConway BankOctober 13, 2017
Fayette County BankSaint ElmoILUnited Fidelity Bank, fsbMay 26, 2017
Guaranty Bank, (d/b/a BestBank in Georgia & Michigan)MilwaukeeWIFirst-Citizens Bank & Trust CompanyMay 5, 2017
First NBC BankNew OrleansLAWhitney BankApril 28, 2017
Proficio BankCottonwood HeightsUTCache Valley BankMarch 3, 2017
Seaway Bank and Trust CompanyChicagoILState Bank of TexasJanuary 27, 2017
Harvest Community BankPennsvilleNJFirst-Citizens Bank & Trust CompanyJanuary 13, 2017
Allied BankMulberryARToday's BankSeptember 23, 2016
The Woodbury Banking CompanyWoodburyGAUnited BankAugust 19, 2016
First CornerStone BankKing of PrussiaPAFirst-Citizens Bank & Trust CompanyMay 6, 2016
Trust Company BankMemphisTNThe Bank of Fayette CountyApril 29, 2016
North Milwaukee State BankMilwaukeeWIFirst-Citizens Bank & Trust CompanyMarch 11, 2016
Hometown National BankLongviewWATwin City BankOctober 2, 2015
The Bank of GeorgiaPeachtree CityGAFidelity BankOctober 2, 2015
Premier BankDenverCOUnited Fidelity Bank, fsbJuly 10, 2015
Edgebrook BankChicagoILRepublic Bank of ChicagoMay 8, 2015
Doral BankSan JuanPRBanco Popular de Puerto RicoFebruary 27, 2015
En Español
Capitol City Bank & Trust CompanyAtlantaGAFirst-Citizens Bank & Trust CompanyFebruary 13, 2015
Highland Community BankChicagoILUnited Fidelity Bank, fsbJanuary 23, 2015
First National Bank of CrestviewCrestviewFLFirst NBC BankJanuary 16, 2015

List of Failed Banks [2013 – 2014]

Bank NameCityStateAcquiring InstitutionClosing Date
Northern Star BankMankatoMNBankVista19-Dec-14
Frontier Bank, FSB D/B/A El Paseo BankPalm DesertCABank of Southern California, N.A.07-Nov-14
The National Republic Bank of ChicagoChicagoILState Bank of Texas24-Oct-14
NBRS FinancialRising SunMDHoward Bank17-Oct-14
GreenChoice Bank, fsbChicagoILProvidence Bank, LLC25-Jul-14
Eastside Commercial BankConyersGACommunity & Southern Bank18-Jul-14
The Freedom State BankFreedomOKAlva State Bank & Trust Company27-Jun-14
Valley BankFort LauderdaleFLLandmark Bank, National Association20-Jun-14
Valley BankMolineILGreat Southern Bank20-Jun-14
Slavie Federal Savings BankBel AirMDBay Bank, FSB30-May-14
Columbia Savings BankCincinnatiOHUnited Fidelity Bank, fsb23-May-14
AztecAmerica BankBerwynILRepublic Bank of Chicago16-May-14
Allendale County BankFairfaxSCPalmetto State Bank25-Apr-14
Vantage Point BankHorshamPAFirst Choice Bank28-Feb-14
Millennium Bank, National AssociationSterlingVAWashingtonFirst Bank28-Feb-14
Syringa BankBoiseIDSunwest Bank31-Jan-14
The Bank of UnionEl RenoOKBancFirst24-Jan-14
DuPage National BankWest ChicagoILRepublic Bank of Chicago17-Jan-14
Texas Community Bank, National AssociationThe WoodlandsTXSpirit of Texas Bank, SSB13-Dec-13
Bank of Jackson CountyGracevilleFLFirst Federal Bank of Florida30-Oct-13
First National Bank also operating as The National Bank of El PasoEdinburgTXPlainsCapital Bank13-Sep-13
The Community's BankBridgeportCTNo Acquirer13-Sep-13
Sunrise Bank of ArizonaPhoenixAZFirst Fidelity Bank, National Association23-Aug-13
Community South BankParsonsTNCB&S Bank, Inc.23-Aug-13
Bank of WausauWausauWINicolet National Bank09-Aug-13
First Community Bank of Southwest Florida (also operating as Community Bank of Cape Coral)Fort MyersFLC1 Bank02-Aug-13
Mountain National BankSeviervilleTNFirst Tennessee Bank, National Association07-Jun-13
1st Commerce BankNorth Las VegasNVPlaza Bank06-Jun-13
Banks of Wisconsin d/b/a Bank of KenoshaKenoshaWINorth Shore Bank, FSB31-May-13
Central Arizona BankScottsdaleAZWestern State Bank14-May-13
Sunrise BankValdostaGASynovus Bank10-May-13
Pisgah Community BankAshevilleNCCapital Bank, N.A.10-May-13
Douglas County BankDouglasvilleGAHamilton State Bank26-Apr-13
Parkway BankLenoirNCCertusBank, National Association26-Apr-13
Chipola Community BankMariannaFLFirst Federal Bank of Florida19-Apr-13
Heritage Bank of North FloridaOrange ParkFLFirstAtlantic Bank19-Apr-13
First Federal BankLexingtonKYYour Community Bank19-Apr-13
Gold Canyon BankGold CanyonAZFirst Scottsdale Bank, National Association05-Apr-13
Frontier BankLaGrangeGAHeritageBank of the South08-Mar-13
Covenant BankChicagoILLiberty Bank and Trust Company15-Feb-13
1st Regents BankAndoverMNFirst Minnesota Bank18-Jan-13
Westside Community BankUniversity PlaceWASunwest Bank11-Jan-13

List of Failed Banks [2011 – 2012]

Bank NameCityStateAcquiring InstitutionClosing Date
Community Bank of the OzarksSunrise BeachMOBank of Sullivan14-Dec-12
Hometown Community BankBraseltonGACertusBank, National Association16-Nov-12
Citizens First National BankPrincetonILHeartland Bank and Trust Company02-Nov-12
Heritage Bank of FloridaLutzFLCentennial Bank02-Nov-12
NOVA BankBerwynPANo Acquirer26-Oct-12
Excel BankSedaliaMOSimmons First National Bank19-Oct-12
First East Side Savings BankTamaracFLStearns Bank N.A.19-Oct-12
GulfSouth Private BankDestinFLSmartBank19-Oct-12
First United BankCreteILOld Plank Trail Community Bank, National Association28-Sep-12
Truman BankSt. LouisMOSimmons First National Bank14-Sep-12
First Commercial BankBloomingtonMNRepublic Bank & Trust Company07-Sep-12
Waukegan Savings BankWaukeganILFirst Midwest Bank03-Aug-12
Jasper Banking CompanyJasperGAStearns Bank N.A.27-Jul-12
Second Federal Savings and Loan Association of ChicagoChicagoILHinsdale Bank & Trust Company20-Jul-12
Heartland BankLeawoodKSMetcalf Bank20-Jul-12
First Cherokee State BankWoodstockGACommunity & Southern Bank20-Jul-12
Georgia Trust BankBufordGACommunity & Southern Bank20-Jul-12
The Royal Palm Bank of FloridaNaplesFLFirst National Bank of the Gulf Coast20-Jul-12
Glasgow Savings BankGlasgowMORegional Missouri Bank13-Jul-12
Montgomery Bank & TrustAileyGAAmeris Bank06-Jul-12
The Farmers Bank of LynchburgLynchburgTNClayton Bank and Trust15-Jun-12
Security Exchange BankMariettaGAFidelity Bank15-Jun-12
Putnam State BankPalatkaFLHarbor Community Bank15-Jun-12
Waccamaw BankWhitevilleNCFirst Community Bank08-Jun-12
Farmers' and Traders' State BankShabbonaILFirst State Bank08-Jun-12
Carolina Federal Savings BankCharlestonSCBank of North Carolina08-Jun-12
First Capital BankKingfisherOKF & M Bank08-Jun-12
Alabama Trust Bank, National AssociationSylacaugaALSouthern States Bank18-May-12
Security Bank, National AssociationNorth LauderdaleFLBanesco USA04-May-12
Palm Desert National BankPalm DesertCAPacific Premier Bank27-Apr-12
Plantation Federal BankPawleys IslandSCFirst Federal Bank27-Apr-12
Inter Savings Bank, fsb D/B/A InterBank, fsbMaple GroveMNGreat Southern Bank27-Apr-12
HarVest Bank of MarylandGaithersburgMDSonabank27-Apr-12
Bank of the Eastern ShoreCambridgeMDNo Acquirer27-Apr-12
Fort Lee Federal Savings Bank, FSBFort LeeNJAlma Bank20-Apr-12
Fidelity BankDearbornMIThe Huntington National Bank30-Mar-12
Premier BankWilmetteILInternational Bank of Chicago23-Mar-12
Covenant Bank & TrustRock SpringGAStearns Bank, N.A.23-Mar-12
New City BankChicagoILNo Acquirer09-Mar-12
Global Commerce BankDoravilleGAMetro City Bank02-Mar-12
Home Savings of AmericaLittle FallsMNNo Acquirer24-Feb-12
Central Bank of GeorgiaEllavilleGAAmeris Bank24-Feb-12
SCB BankShelbyvilleINFirst Merchants Bank, National Association10-Feb-12
Charter National Bank and TrustHoffman EstatesILBarrington Bank & Trust Company, National Association10-Feb-12
BankEastKnoxvilleTNU.S. Bank, N.A.27-Jan-12
Patriot Bank MinnesotaForest LakeMNFirst Resource Bank27-Jan-12
Tennessee Commerce BankFranklinTNRepublic Bank & Trust Company27-Jan-12
First Guaranty Bank and Trust Company of JacksonvilleJacksonvilleFLCenterState Bank of Florida, N.A.27-Jan-12
American Eagle Savings BankBoothwynPACapital Bank, N.A.20-Jan-12
The First State BankStockbridgeGAHamilton State Bank20-Jan-12
Central Florida State BankBelleviewFLCenterState Bank of Florida, N.A.20-Jan-12
Western National BankPhoenixAZWashington Federal16-Dec-11
Premier Community Bank of the Emerald CoastCrestviewFLSummit Bank16-Dec-11
Central Progressive BankLacombeLAFirst NBC Bank18-Nov-11
Polk County BankJohnstonIAGrinnell State Bank18-Nov-11
Community Bank of RockmartRockmartGACentury Bank of Georgia10-Nov-11
SunFirst BankSaint GeorgeUTCache Valley Bank04-Nov-11
Mid City Bank, Inc.OmahaNEPremier Bank04-Nov-11
All American BankDes PlainesILInternational Bank of Chicago28-Oct-11
Community Banks of ColoradoGreenwood VillageCOBank Midwest, N.A.21-Oct-11
Community Capital BankJonesboroGAState Bank and Trust Company21-Oct-11
Decatur First BankDecaturGAFidelity Bank21-Oct-11
Old Harbor BankClearwaterFL1st United Bank21-Oct-11
Country BankAledoILBlackhawk Bank & Trust14-Oct-11
First State BankCranfordNJNorthfield Bank14-Oct-11
Blue Ridge Savings Bank, Inc.AshevilleNCBank of North Carolina14-Oct-11
Piedmont Community BankGrayGAState Bank and Trust Company14-Oct-11
Sun Security BankEllingtonMOGreat Southern Bank07-Oct-11
The RiverBankWyomingMNCentral Bank07-Oct-11
First International BankPlanoTXAmerican First National Bank30-Sep-11
Citizens Bank of Northern CaliforniaNevada CityCATri Counties Bank23-Sep-11
Bank of the CommonwealthNorfolkVASouthern Bank and Trust Company23-Sep-11
The First National Bank of FloridaMiltonFLCharterBank09-Sep-11
CreekSide BankWoodstockGAGeorgia Commerce Bank02-Sep-11
Patriot Bank of GeorgiaCummingGAGeorgia Commerce Bank02-Sep-11
First Choice BankGenevaILInland Bank & Trust19-Aug-11
First Southern National BankStatesboroGAHeritage Bank of the South19-Aug-11
Lydian Private BankPalm BeachFLSabadell United Bank, N.A.19-Aug-11
Public Savings BankHuntingdon ValleyPACapital Bank, N.A.18-Aug-11
The First National Bank of OlatheOlatheKSEnterprise Bank & Trust12-Aug-11
Bank of WhitmanColfaxWAColumbia State Bank05-Aug-11
Bank of ShorewoodShorewoodILHeartland Bank and Trust Company05-Aug-11
Integra Bank National AssociationEvansvilleINOld National Bank29-Jul-11
BankMeridian, N.A.ColumbiaSCSCBT National Association29-Jul-11
Virginia Business BankRichmondVAXenith Bank29-Jul-11
Bank of ChoiceGreeleyCOBank Midwest, N.A.22-Jul-11
LandMark Bank of FloridaSarasotaFLAmerican Momentum Bank22-Jul-11
Southshore Community BankApollo BeachFLAmerican Momentum Bank22-Jul-11
Summit BankPrescottAZThe Foothills Bank15-Jul-11
First Peoples BankPort St. LucieFLPremier American Bank, N.A.15-Jul-11
High Trust BankStockbridgeGAAmeris Bank15-Jul-11
One Georgia BankAtlantaGAAmeris Bank15-Jul-11
Signature BankWindsorCOPoints West Community Bank08-Jul-11
Colorado Capital BankCastle RockCOFirst-Citizens Bank & Trust Company08-Jul-11
First Chicago Bank & TrustChicagoILNorthbrook Bank & Trust Company08-Jul-11
Mountain Heritage BankClaytonGAFirst American Bank and Trust Company24-Jun-11
First Commercial Bank of Tampa BayTampaFLStonegate Bank17-Jun-11
McIntosh State BankJacksonGAHamilton State Bank17-Jun-11
Atlantic Bank and TrustCharlestonSCFirst Citizens Bank and Trust Company, Inc.03-Jun-11
First Heritage BankSnohomishWAColumbia State Bank27-May-11
Summit BankBurlingtonWAColumbia State Bank20-May-11
First Georgia Banking CompanyFranklinGACertusBank, National Association20-May-11
Atlantic Southern BankMaconGACertusBank, National Association20-May-11
Coastal BankCocoa BeachFLFlorida Community Bank, a division of Premier American Bank, N.A.06-May-11
Community Central BankMount ClemensMITalmer Bank & Trust29-Apr-11
The Park Avenue BankValdostaGABank of the Ozarks29-Apr-11
First Choice Community BankDallasGABank of the Ozarks29-Apr-11
Cortez Community BankBrooksvilleFLFlorida Community Bank, a division of Premier American Bank, N.A.29-Apr-11
First National Bank of Central FloridaWinter ParkFLFlorida Community Bank, a division of Premier American Bank, N.A.29-Apr-11
Heritage Banking GroupCarthageMSTrustmark National Bank15-Apr-11
Rosemount National BankRosemountMNCentral Bank15-Apr-11
Superior BankBirminghamALSuperior Bank, National Association15-Apr-11
Nexity BankBirminghamALAloStar Bank of Commerce15-Apr-11
New Horizons BankEast EllijayGACitizens South Bank15-Apr-11
Bartow County BankCartersvilleGAHamilton State Bank15-Apr-11
Nevada Commerce BankLas VegasNVCity National Bank08-Apr-11
Western Springs National Bank and TrustWestern SpringsILHeartland Bank and Trust Company08-Apr-11
The Bank of CommerceWood DaleILAdvantage National Bank Group25-Mar-11
Legacy BankMilwaukeeWISeaway Bank and Trust Company11-Mar-11
First National Bank of DavisDavisOKThe Pauls Valley National Bank11-Mar-11
Valley Community BankSt. CharlesILFirst State Bank25-Feb-11
San Luis Trust Bank, FSBSan Luis ObispoCAFirst California Bank18-Feb-11
Charter Oak BankNapaCABank of Marin18-Feb-11
Citizens Bank of EffinghamSpringfieldGAHeritage Bank of the South18-Feb-11
Habersham BankClarkesvilleGASCBT National Association18-Feb-11
Canyon National BankPalm SpringsCAPacific Premier Bank11-Feb-11
Badger State BankCassvilleWIRoyal Bank11-Feb-11
Peoples State BankHamtramckMIFirst Michigan Bank11-Feb-11
Sunshine State Community BankPort OrangeFLPremier American Bank, N.A.11-Feb-11
Community First Bank ChicagoChicagoILNorthbrook Bank & Trust Company04-Feb-11
North Georgia BankWatkinsvilleGABankSouth04-Feb-11
American Trust BankRoswellGARenasant Bank04-Feb-11
First Community BankTaosNMU.S. Bank, N.A.28-Jan-11
FirsTier BankLouisvilleCONo Acquirer28-Jan-11
Evergreen State BankStoughtonWIMcFarland State Bank28-Jan-11
The First State BankCamargoOKBank 728-Jan-11
United Western BankDenverCOFirst-Citizens Bank & Trust Company21-Jan-11
The Bank of AshevilleAshevilleNCFirst Bank21-Jan-11
CommunitySouth Bank & TrustEasleySCCertusBank, National Association21-Jan-11
Enterprise Banking CompanyMcDonoughGANo Acquirer21-Jan-11
Oglethorpe BankBrunswickGABank of the Ozarks14-Jan-11
Legacy BankScottsdaleAZEnterprise Bank & Trust07-Jan-11
First Commercial Bank of FloridaOrlandoFLFirst Southern Bank07-Jan-11

Sources:

  • https://www.fdic.gov/resources/resolutions/bank-failures/failed-bank-list/
  • https://www.fdic.gov/news/press-releases/2023/pr23015.html
  • https://www.fdic.gov/news/press-releases/2023/pr23034.html
List of Failed Banks in the United States 2023 [Recent] (2024)
Top Articles
Latest Posts
Recommended Articles
Article information

Author: Pres. Carey Rath

Last Updated:

Views: 6424

Rating: 4 / 5 (61 voted)

Reviews: 92% of readers found this page helpful

Author information

Name: Pres. Carey Rath

Birthday: 1997-03-06

Address: 14955 Ledner Trail, East Rodrickfort, NE 85127-8369

Phone: +18682428114917

Job: National Technology Representative

Hobby: Sand art, Drama, Web surfing, Cycling, Brazilian jiu-jitsu, Leather crafting, Creative writing

Introduction: My name is Pres. Carey Rath, I am a faithful, funny, vast, joyous, lively, brave, glamorous person who loves writing and wants to share my knowledge and understanding with you.