EAST LANSING, MI · Supervised by OCC (Office of the Comptroller of the Currency)
Contact & Details
FDIC BankFindWebsite
Address
County
Established
Total Assets
Federal 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
Total Assets
$6.8B
Total Deposits
$3.8B
Net Loans
$6.2B
Net Income
$46M
ROA
2.71%
Above avg for Community banks. Peer avg: 0.90%
ROE
33.85%
Risk-Based Capital
16.43%
Above avg for Community banks. Regulatory min: 8%
Compared to the peer-bank Community peer group (same asset tier).
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| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 5,611 | 65.44% | 13.74% |
| 2023 | 5,353 | 64.21% | 16.22% |
| 2022 | 5,684 | 63.83% | 15.27% |
| 2021 | 4,176 | 65.61% | 10.30% |
| 2020 | 3,827 | 61.56% | 16.44% |
| 2019 | 3,982 | 64.41% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Jun 2024 | Satisfactory | Large Bank |
| May 2021 | Satisfactory | Large Bank |
| May 2018 | Satisfactory | Large Bank |
7 previous ratings locked — back to 1994
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Total Branches
3
Branch Deposits
$3.7B
1-Year Change
0
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| 17.35% |
| 2018 | 2,932 | 59.45% | 22.54% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red