At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 1.68%
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
$12.8B
Total Deposits
$11.2B
Net Loans
$7.1B
Net Income
$53M
ROA
1.68%
ROE
15.09%
Risk-Based Capital
18.01%
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
113
Branch Deposits
$10.4B
1-Year Change
-1
5-year net change: -3 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 4,709 | 78.85% | 9.98% |
| 2023 | 4,755 | 78.57% | 9.46% |
| 2022 | 5,400 | 78.69% | 9.52% |
| 2021 | 5,634 | 80.65% | 8.22% |
| 2020 | 6,445 | 80.82% | 9.26% |
| 2019 | 5,558 | 80.51% | 10.17% |
| 2018 | 4,355 | 79.15% | 11.00% |
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 2005
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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