At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 1.27%
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
$13.4B
Total Deposits
$10.3B
Net Loans
$9.2B
Net Income
$44M
ROA
1.27%
ROE
14.63%
Risk-Based Capital
15.67%
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
3
Branch Deposits
$10.7B
1-Year Change
0
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 7,520 | 75.04% | 9.72% |
| 2023 | 5,463 | 74.06% | 8.49% |
| 2022 | 6,616 | 77.42% | 8.15% |
| 2021 | 6,505 | 86.21% | 3.26% |
| 2020 | 7,303 | 84.61% | 3.01% |
| 2019 | 5,508 | 86.73% | 3.21% |
| 2018 | 3,585 | 85.13% | 4.97% |
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
6 previous ratings locked — dating back to 2004
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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