At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 1.64%
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
$28.0B
Total Deposits
$22.7B
Net Loans
$22.0B
Net Income
$114M
ROA
1.64%
ROE
11.20%
Risk-Based Capital
14.40%
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
168
Branch Deposits
$22.1B
1-Year Change
0
5-year net change: -8 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 20,342 | 71.79% | 7.85% |
| 2023 | 18,723 | 70.33% | 8.15% |
| 2022 | 23,459 | 69.4% | 8.34% |
| 2021 | 39,730 | 73.62% | 6.21% |
| 2020 | 46,438 | 73.28% | 6.46% |
| 2019 | 21,477 | 74.92% | 7.88% |
| 2018 | 11,106 | 73.94% | 8.97% |
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
8 previous ratings locked — dating back to 1993
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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