At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 1.74%
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
$12.0B
Total Deposits
$9.9B
Net Loans
$8.0B
Net Income
$53M
ROA
1.74%
ROE
16.07%
Risk-Based Capital
14.43%
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
45
Branch Deposits
$10.2B
1-Year Change
0
5-year net change: -13 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 1,702 | 47.83% | 24.97% |
| 2023 | 1,798 | 49.94% | 21.52% |
| 2022 | 2,966 | 42.45% | 23.94% |
| 2021 | 4,369 | 49.62% | 20.12% |
| 2020 | 3,298 | 44.48% | 22.47% |
| 2019 | 1,371 | 52.22% | 24.29% |
| 2018 | 1,834 | 48.64% | 25.79% |
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
9 previous ratings locked — dating back to 1996
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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