At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 1.19%
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
Meets federal requirements for community lending
Exam Date
Exam Type
Regulator
Financial Snapshot
Total Assets
$14.2B
Total Deposits
$11.6B
Net Loans
$11.6B
Net Income
$42M
ROA
1.19%
ROE
9.75%
Risk-Based Capital
13.33%
Regulatory minimum: 8%
Total Assets — Last 8 Quarters
Peer Comparison
Regional banksCompared to the peer-bank Regional peer group (same asset tier).
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Branch Footprint
Total Branches
60
Branch Deposits
$11.4B
1-Year Change
+37
5-year net change: +30 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 86 | 75.58% | 12.79% |
| 2023 | 76 | 69.74% | 9.21% |
| 2022 | 415 | 83.37% | 1.93% |
| 2021 | 520 | 81.15% | 5.19% |
| 2020 | 270 | 72.96% | 9.26% |
| 2019 | 283 | 75.62% | 8.48% |
| 2018 | 299 | 84.62% | 8.03% |
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
5 previous ratings locked — dating back to 2007
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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