At a Glance
Community Lending (CRA)
Outstanding
Exceeds federal requirements for lending in low- and moderate-income communities
Financial Health
Adequate
ROA 0.46%
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
$16.1B
Total Deposits
$13.6B
Net Loans
$8.3B
Net Income
$18M
ROA
0.46%
ROE
4.56%
Risk-Based Capital
16.94%
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
1
Branch Deposits
$10.2B
1-Year Change
0
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 442 | 79.41% | 6.33% |
| 2023 | 376 | 71.54% | 6.91% |
| 2022 | 638 | 74.92% | 5.49% |
| 2021 | 1,005 | 78.91% | 4.28% |
| 2020 | 884 | 77.04% | 5.77% |
| 2019 | 477 | 76.1% | 8.18% |
| 2018 | 374 | 76.47% | 5.61% |
2024 national avg denial rate: 23.75% · Regional bank avg: 26.91% · above-average shown in red
Rating History
CRA / FFIECRating Trend
↑ ImprovingBased on last 3 exams
6 previous ratings locked — dating back to 2006
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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