At a Glance
Community Lending (CRA)
Outstanding
Exceeds federal requirements for lending in low- and moderate-income communities
Consumer Complaints (12 mo)
1
0.02 per $B assets · filed with CFPB
Financial Health
Adequate
ROA 1.07%
Institution Profile
FDIC BankFindWebsite
Address
County
Established
Total Assets
Community Reinvestment Rating
CRA / FFIECFederal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Exceeds federal requirements for lending in low- and moderate-income communities
Exam Date
Exam Type
Regulator
Financial Snapshot
Total Assets
$45.5B
Total Deposits
$35.8B
Net Loans
$31.5B
Net Income
$122M
ROA
1.07%
ROE
10.10%
Risk-Based Capital
12.41%
Regulatory minimum: 8%
Peer Comparison
Regional banksCompared to the peer-bank Regional peer group (same asset tier).
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Branch Footprint
Total Branches
186
Branch Deposits
$34.2B
1-Year Change
-4
5-year net change: -68 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 10,257 | 63.68% | 26.12% |
| 2023 | 9,897 | 61.8% | 28.43% |
| 2022 | 16,166 | 67.31% | 22.57% |
| 2021 | 23,080 | 72.35% | 16.35% |
| 2020 | 24,940 | 69.95% | 14.70% |
| 2019 | 20,360 | 72.05% | 17.77% |
| 2018 | 19,075 | 71.93% | 18.78% |
2024 national avg denial rate: 23.75% · Regional bank avg: 26.91% · above-average shown in red
Last 12 Months
1
All Time
1
Monetary Relief
0%
Untimely Response
0%
Most common complaint type: Checking or savings account· 0.02 per $B assets (12m)
Rating History
CRA / FFIECRating Trend
↑ ImprovingBased on last 3 exams
7 previous ratings locked — dating back to 1999
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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