At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 1.40%
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
$27.1B
Total Deposits
$22.3B
Net Loans
$18.9B
Net Income
$94M
ROA
1.40%
ROE
9.22%
Risk-Based Capital
13.57%
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
271
Branch Deposits
$21.9B
1-Year Change
+110
5-year net change: +101 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 10,161 | 73.02% | 9.43% |
| 2023 | 10,663 | 70.43% | 10.34% |
| 2022 | 16,185 | 71.15% | 10.98% |
| 2021 | 27,859 | 77.27% | 5.46% |
| 2020 | 29,558 | 79.15% | 4.07% |
| 2019 | 19,611 | 78.49% | 5.75% |
| 2018 | 16,962 | 79.42% | 5.45% |
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 1992
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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