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We continue to support many local
LENDING SUCCESS
neighborhoods with our community bank type
loans but have the expertise and experience to handle
larger, more complex transactions. Our portfolio
performance remains strong, guided by policies which
emphasize geographic and loan type diversification.
Our footprint is expanding at a controlled pace.
Commercial loans grew in 2018 at a healthy rate as
we focused on our philosophy of: “Sticking to what
we do best.” Our Residential Mortgage Program
continues to grow as we develop deep relationships
with strategic referral partners.

OUR PORTFOLIO PERFORMANCE
REMAINS STRONG, GUIDED BY POLICIES

WHICH EMPHASIZE GEOGRAPHIC AND
LOAN TYPE DIVERSIFICATION.

LENDING PORTFOLIO

Investment

Commercial Performing
53% Loans
35% 99.46%
SBA
Loans 4%

10% 65% 30-59 Days
Delinquent
.47%
Consumer
Loans Residential .07% Serious Delinquent
33% Mortgage
Owner
Occupied