At a Glance
Community Lending (CRA)
Outstanding
Exceeds federal requirements for lending in low- and moderate-income communities
Financial Health
Adequate
ROA 0.80%
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
$30.9B
Total Deposits
$26.1B
Net Loans
$18.6B
Net Income
$62M
ROA
0.80%
ROE
7.06%
Risk-Based Capital
17.48%
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
27
Branch Deposits
$24.8B
1-Year Change
0
5-year net change: -3 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 572 | 76.57% | 7.69% |
| 2023 | 885 | 76.95% | 7.80% |
| 2022 | 1,466 | 82.26% | 6.28% |
| 2021 | 1,892 | 81.87% | 5.76% |
| 2020 | 1,289 | 80.53% | 7.45% |
| 2019 | 1,248 | 81.17% | 6.89% |
| 2018 | 1,053 | 80.63% | 7.22% |
2024 national avg denial rate: 23.75% · Regional bank avg: 26.91% · above-average shown in red
Rating History
CRA / FFIECRating Trend
→ StableBased on last 3 exams
8 previous ratings locked — dating back to 1993
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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