Total Assets
$1.6B
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$1.4B
Customer-funded liabilities
Net Loans
$890M
Outstanding loan book
Net Income
$22M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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.
Safety metrics
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
Profitability metrics
Return on Assets (ROA)
71st percentile nationally
1.44%
Return on Equity (ROE)
18.28%
Efficiency Ratio
59.89%
What the numbers say about Bank of Travelers Rest
Bank of Travelers Rest is an FDIC-insured institution (Certificate #16389) headquartered in Travelers Rest, South Carolina, established in 1946. It holds $1.6B in total assets - 723rd of 4,313 FDIC-insured banks, $1.4B in customer deposits, and $890M in net loans. On safety, its Tier 1 capital ratio of 15.16% is above the 10% well-capitalized threshold, and its Texas Ratio of 0.97% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (92/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within South Carolina, Bank of Travelers Rest ranks 8th of 43 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$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.
Top banks in South Carolina by total assets
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.
Other banks in South Carolina
All South Carolina banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Bank of Travelers Rest's health grade?▼
Bank of Travelers Rest receives a health grade of A (92/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Bank of Travelers Rest?▼
Bank of Travelers Rest holds $1.6B in total assets and $1.4B in deposits, ranking 723rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Travelers Rest, South Carolina.
Is my money safe at Bank of Travelers Rest?▼
Yes, deposits at Bank of Travelers Rest (Certificate #16389) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Bank of Travelers Rest's Tier 1 Capital Ratio?▼
Bank of Travelers Rest has a Tier 1 Capital Ratio of 15.16%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Bank of Travelers Rest?▼
Bank of Travelers Rest has a Texas Ratio of 0.97%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Bank of Travelers Rest?▼
Bank of Travelers Rest has an Efficiency Ratio of 59.89%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Bank of Travelers Rest's profile as a depositor or analyst.
- Bank of Travelers Rest's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Bank of Travelers Rest against other South Carolina banks before moving funds. South Carolina banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.