At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 0.70%
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
$18.7B
Total Deposits
$15.8B
Net Loans
$14.6B
Net Income
$32M
ROA
0.70%
ROE
5.51%
Risk-Based Capital
13.75%
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
76
Branch Deposits
$16.0B
1-Year Change
+28
5-year net change: +18 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 972 | 61.32% | 4.84% |
| 2023 | 355 | 58.03% | 7.61% |
| 2022 | 970 | 73.4% | 5.88% |
| 2021 | 952 | 66.7% | 7.14% |
| 2020 | 925 | 75.35% | 4.65% |
| 2019 | 402 | 75.37% | 5.97% |
| 2018 | 996 | 70.48% | 7.83% |
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
7 previous ratings locked — dating back to 2004
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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