At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 1.10%
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
$31.7B
Total Deposits
$24.9B
Net Loans
$20.8B
Net Income
$88M
ROA
1.10%
ROE
8.29%
Risk-Based Capital
14.13%
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
221
Branch Deposits
$21.8B
1-Year Change
+15
5-year net change: +45 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 7,254 | 61.12% | 16.58% |
| 2023 | 6,620 | 58.52% | 15.89% |
| 2022 | 10,723 | 66.92% | 12.93% |
| 2021 | 15,768 | 71.15% | 9.03% |
| 2020 | 17,027 | 71.87% | 9.38% |
| 2019 | 11,424 | 71.31% | 10.20% |
| 2018 | 10,811 | 72.92% | 9.21% |
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
4 previous ratings locked — dating back to 2013
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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