FDIC Cert #16389 · Travelers Rest, South Carolina · Est. 1946

Bank of Travelers Rest - FDIC Bank Health Profile

A community-scale look at Bank of Travelers Rest's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$1.6B
Total assets
A
Health grade · Excellent
1.44%
Return on assets
15.2%
Tier 1 capital

Data updated July 2026

The verdict

Bank of Travelers Rest earns a PlainBankData health grade of A (92/100), with well-capitalized at 15.16% Tier 1, profitable at 1.44% ROA, efficient (60% cost ratio).

#723
largest of 4,313 FDIC banks by assets
83rd
percentile by asset size, nationally
15.16%
Tier 1 ratio - above the 10% well-capitalized line
71st
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 16389 · SC A · 92/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-REGIONAL · BOOK-FULL

  • GRADE-A A (92/100)
  • UPPER-Q #549/4307
  • PHOTO-FINISH First State Bank of… · TX
  • TIER1-WELL 15.2% Tier 1
  • TEXAS-CLEAN 1.0% Texas
  • ROA-STRONG 1.44% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside South Carolina: First State Bank of Odem, TX (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Bank of Travelers Rest

Lowest and highest poles plus nearest scored peers outside South Carolina, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of Bearden · AR · near92/100Bank of Travelers Rest · SC …92/100Commercial Banking C… · GA ·…92/100First State Bank of… · TX · …92/100Mason City National… · IL · …92/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Bank of Travelers Rest · July 2026

Call Report read for Bank of Travelers Rest in a high-failure state

Bank of Travelers Rest (FDIC Cert #16389) carries a PlainBankData health grade of A at 92/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #549 of 4,307. Tier 1 capital prints at 15.16%, clearing the 10% well-capitalized line. The Texas Ratio is 0.97%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.44%. Balance-sheet scale is $1.6B, 723rd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is First State Bank of Odem (TX), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Bank of Travelers Rest

10 FAILURE resolutions in South Carolina since 2000, heavy vs the state corpus

Bank of Travelers Rest sits in one of the heavier post-2000 FAILURE states (10 resolutions; latest year 2014). The list below is state history from the Failed Bank List, not a claim about Bank of Travelers Rest's current Call Report.

  • ALLENDALE COUNTY BANK FAIRFAX, SC 2014 → PALMETTO STATE BANK
  • CAROLINA FEDERAL SAVINGS BANK CHARLESTON, SC 2012 → BANK OF NORTH CAROLINA
  • PLANTATION FEDERAL BANK PAWLEYS ISLAND, SC 2012 → FIRST FEDERAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and South Carolina banks.

How Bank of Travelers Rest's 92/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10092/100
Bank of Travelers Rest's composite health score
Tier 1 Capital Ratio (15.16%) 40/40
Return on Assets (ROA) (1.44%) 20/25
Texas Ratio (0.97%) 20/20
Efficiency Ratio (59.89%) 12/15

92 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$1.6B

Total balance-sheet footings

Total Deposits

$1.4B

Customer-funded liabilities

Net Loans

$890M

Outstanding loan book

Net Income

$22M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 13.76% 15.16% 16.56%
Basel III capital ratios - Bank of Travelers Rest

Where Bank of Travelers Rest ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bank of Travelers Rest's score of 92/100 falls in the highlighted band.

Bank of Travelers Rest: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

92 Top 13% higher than 87% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. Bank of Travelers Rest 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Bank of Travelers Rest's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Bank of Travelers Rest's $1.6B falls in the highlighted band.

Capital & credit buffers at Bank of Travelers Rest

Tier 1 capital ratio
Well-capitalized 10%

15.16% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
15.16%
Texas Ratio
0.97%
Equity Capital
$134M

What these ratios mean →

Earnings posture at Bank of Travelers Rest

Return on Assets (ROA)
71st percentile nationally
1.44%
Return on Equity (ROE)
18.28%
Efficiency Ratio
59.89%

What these mean →

Income & expense at Bank of Travelers Rest

$71M
Interest Income
$14M
Non-Interest Income
$36M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Bank of Travelers Rest reports a Texas Ratio of 0.97% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.97% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Bank of Travelers Rest on FDIC BankFind →

Top banks in South Carolina by total assets

Largest banks headquartered in South Carolina
  1. 1
    United Community Bank $27.9B

    Greenville, SC · Grade A

  2. 2
    Southern First Bank $4.4B

    Greenville, SC · Grade B

  3. 3
    Coastal States Bank $2.3B

    Hilton Head Island, SC · Grade A

  4. 4
    Anderson Brothers Bank $2.2B

    Mullins, SC · Grade A

  5. 5
    First Community Bank $2.1B

    Lexington, SC · Grade A

Top 5 banks in South Carolina ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($1.6B here), outside South Carolina so the neighborhood is not state containment.

BankSouth $1.6B · GA Security Bank and Trust Company $1.6B · TN Solera National Bank $1.6B · CO BTC Bank $1.6B · MO

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bank of Travelers Rest (FDIC Cert #16389) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Bank of Travelers Rest Call Report profile · FDIC Failed Bank List · South Carolina FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in South Carolina

All South Carolina banks →
BankAssetsGradeROA
United Community BankGreenville $27.9B A 1.19%
Southern First BankGreenville $4.4B B 0.75%
Coastal States BankHilton Head Island $2.3B A 1.17%
Anderson Brothers BankMullins $2.2B A 1.38%
First Community BankLexington $2.1B A 1.07%
The Conway National BankConway $1.9B A 1.23%
South Atlantic BankMyrtle Beach $1.9B B 0.93%
Security Federal BankAiken $1.6B B 0.72%