At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 1.50%
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
$10.1B
Total Deposits
$8.3B
Net Loans
$7.9B
Net Income
$37M
ROA
1.50%
ROE
14.96%
Risk-Based Capital
13.80%
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
60
Branch Deposits
$8.0B
1-Year Change
+2
5-year net change: -4 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 3,460 | 58.01% | 17.95% |
| 2023 | 5,261 | 52.08% | 18.65% |
| 2022 | 5,595 | 59.54% | 14.80% |
| 2021 | 6,340 | 64.5% | 13.45% |
| 2020 | 7,989 | 63.75% | 12.89% |
| 2019 | 6,571 | 64.94% | 12.57% |
| 2018 | 6,569 | 64.87% | 10.91% |
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
11 previous ratings locked — dating back to 1990
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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