At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 1.65%
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
$8.4B
Total Deposits
$7.0B
Net Loans
$5.8B
Net Income
$35M
ROA
1.65%
ROE
12.35%
Risk-Based Capital
14.03%
Regulatory minimum: 8%
Total Assets — Last 8 Quarters
Peer Comparison
Community banksCompared to the peer-bank Community peer group (same asset tier).
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Branch Footprint
Total Branches
96
Branch Deposits
$7.0B
1-Year Change
+23
5-year net change: +26 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 3,979 | 74.09% | 15.68% |
| 2023 | 3,742 | 71.06% | 16.62% |
| 2022 | 4,463 | 74.68% | 13.11% |
| 2021 | 5,193 | 75.47% | 11.86% |
| 2020 | 5,743 | 70.4% | 12.83% |
| 2019 | 4,336 | 69.79% | 16.79% |
| 2018 | 3,472 | 73.13% | 15.21% |
2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red
Rating History
CRA / FFIECRating Trend
→ StableBased on last 3 exams
11 previous ratings locked — dating back to 1991
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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