Many modest borrowers, few poorer neighborhoods
Low- and moderate-income (LMI) borrowers took 47.2% of its loans, against 23.5% at similar lenders (state member banks making between half and twice as many loans), higher than at almost all of them. The year before the share was 16.7%; on 44 loans, a few borrowers move it a lot. Only 4.5% of its loans were in LMI neighborhoods, and none in majority-minority ones. Lending in eight counties, mostly in Nebraska, it may have few such neighborhoods nearby.