At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 1.22%
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
$10.7B
Total Deposits
$8.9B
Net Loans
$7.2B
Net Income
$33M
ROA
1.22%
ROE
13.31%
Risk-Based Capital
13.23%
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
42
Branch Deposits
$8.7B
1-Year Change
+1
5-year net change: +2 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 1,959 | 63.04% | 20.98% |
| 2023 | 1,973 | 64.37% | 19.16% |
| 2022 | 2,891 | 68.42% | 16.08% |
| 2021 | 4,088 | 72.65% | 13.45% |
| 2020 | 4,401 | 67.83% | 13.95% |
| 2019 | 3,389 | 67.96% | 15.31% |
| 2018 | 1,929 | 68.58% | 16.02% |
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
12 previous ratings locked — dating back to 1990
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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