At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 1.94%
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
$7.7B
Total Deposits
$6.3B
Net Loans
$5.0B
Net Income
$37M
ROA
1.94%
ROE
20.12%
Risk-Based Capital
13.30%
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
45
Branch Deposits
$5.6B
1-Year Change
+4
5-year net change: +7 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 2,610 | 77.05% | 5.67% |
| 2023 | 2,574 | 78.4% | 5.75% |
| 2022 | 3,539 | 77.25% | 5.45% |
| 2021 | 5,554 | 77.31% | 4.41% |
| 2020 | 6,766 | 77.22% | 3.72% |
| 2019 | 4,026 | 75.36% | 6.58% |
| 2018 | 3,860 | 75.18% | 8.03% |
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
12 previous ratings locked — dating back to 1990
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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