At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 1.20%
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
$17.2B
Total Deposits
$14.7B
Net Loans
$11.6B
Net Income
$52M
ROA
1.20%
ROE
10.29%
Risk-Based Capital
13.20%
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
42
Branch Deposits
$13.5B
1-Year Change
0
5-year net change: +6 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 287 | 60.28% | 18.82% |
| 2023 | 385 | 64.16% | 15.32% |
| 2022 | 583 | 60.72% | 13.04% |
| 2021 | 1,061 | 68.14% | 9.43% |
| 2020 | 1,426 | 69% | 6.87% |
| 2019 | 676 | 63.31% | 9.32% |
| 2018 | 424 | 69.1% | 11.08% |
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
11 previous ratings locked — dating back to 1991
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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