At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 1.86%
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
$18.2B
Total Deposits
$14.5B
Net Loans
$13.8B
Net Income
$83M
ROA
1.86%
ROE
17.45%
Risk-Based Capital
13.14%
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
33
Branch Deposits
$13.9B
1-Year Change
+3
5-year net change: +13 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 1,617 | 82.37% | 2.91% |
| 2023 | 1,183 | 78.11% | 4.06% |
| 2022 | 1,463 | 85.71% | 2.60% |
| 2021 | 1,494 | 84.87% | 2.07% |
| 2020 | 1,483 | 86.31% | 4.65% |
| 2019 | 906 | 84.33% | 4.75% |
| 2018 | 694 | 79.83% | 5.33% |
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
5 previous ratings locked — dating back to 2007
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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