At a Glance
Community Lending (CRA)
Outstanding
Exceeds federal requirements for lending in low- and moderate-income communities
Financial Health
Adequate
ROA 0.61%
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
$15.5B
Total Deposits
$13.1B
Net Loans
$11.2B
Net Income
$19M
ROA
0.61%
ROE
4.33%
Risk-Based Capital
12.21%
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
57
Branch Deposits
$7.7B
1-Year Change
0
5-year net change: +18 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 3,101 | 86% | 4.84% |
| 2023 | 2,836 | 86.18% | 5.32% |
| 2022 | 3,986 | 87.13% | 4.69% |
| 2021 | 4,919 | 89.1% | 4.61% |
| 2020 | 6,082 | 87.7% | 5.44% |
| 2019 | 3,604 | 86.35% | 6.60% |
| 2018 | 2,681 | 85.79% | 6.27% |
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 2003
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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