Abbeville Bldg&L State-Chart
Abbeville, Louisiana · FDIC Cert #30332
Abbeville Bldg&L State-Chart is an FDIC-insured bank (Certificate #30332) with $59M in total assets and $39M in total deposits as of the Q2 2024 Call Report. Headquartered in Abbeville, Louisiana, the bank maintains a Tier 1 capital ratio of 42.11% (Well-Capitalized) and a nonperforming loan ratio of 1.61%. BankHealthData assigns a composite Health Grade of B (71/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Abbeville Bldg&L State-Chart (FDIC cert 30332) is a community bank — $59M in total assets, $39M in deposits, serving the Abbeville, Louisiana area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 42.11% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 1.61% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is in the normal range: 18.1% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is minimal: ROA of 0.17% indicates the bank is barely profitable on an assets basis. Multiple quarters of minimal profitability eventually challenge capital growth and regulatory standing. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. Abbeville Bldg&L State-Chart carries a composite BankHealth grade of B (71/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Abbeville Bldg&L State-Chart
- Total Assets
- $59M
- Total Deposits
- $39M
- Tier 1 Capital Ratio
- 42.11%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.61%
- Liquidity Ratio
- 18.08%
- Return on Assets
- 0.17%
- Headquarters
- Abbeville, Louisiana
- FDIC Certificate
- #30332
- Health Grade
- B (71/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Abbeville Bldg&L State-Chart holds a Tier 1 capital ratio of 42.11%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Abbeville Bldg&L State-Chart has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Abbeville Bldg&L State-Chart shows strong financial health indicators. With $59M in assets and a Health Score of 71/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Abbeville Bldg&L State-Chart Compares
Abbeville Bldg&L State-Chart’s Health Score of 71 is 8 points above the Louisiana state average of 63 across 93 FDIC-insured banks. Its 42.11% Tier 1 capital ratio is 28.1 points above the US banking industry average near 14%. The 1.61% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.17% is below the national ROA benchmark of ~1.1%. Among 660 similarly-sized banks, the average Health Score is 68, meaning this bank ranks above its size cohort. Site-wide, Abbeville Bldg&L State-Chart is 1 points above the portfolio average of 70.
Frequently Asked Questions
Abbeville Bldg&L State-Chart has a Bank Health Score of B (71/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 42.11%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Abbeville Bldg&L State-Chart's Tier 1 capital ratio of 42.11% and nonperforming loan ratio of 1.61% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Abbeville Bldg&L State-Chart is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #30332). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Abbeville Bldg&L State-Chart holds $59M in total assets and $39M in total deposits. It is headquartered in Abbeville, Louisiana (FDIC Certificate #30332).
Abbeville Bldg&L State-Chart has a Tier 1 capital ratio of 42.11%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.61%, and the return on assets is 0.17%.
Yes. Abbeville Bldg&L State-Chart is FDIC-insured (Certificate #30332). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Abbeville Bldg&L State-Chart's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.