Abbeville Bldg&L State-Chart
Abbeville, Louisiana · FDIC Cert #30332
This is the FDIC profile for Abbeville Bldg&L State-Chart, an FDIC-insured bank (Certificate #30332) with $59M in total assets and $39M in total deposits per its most recent FDIC Call Report filing (Q2 2024). 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) based on quarterly FDIC filings. 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
FDIC Filings & Call Report Data
Abbeville Bldg&L State-Chart files quarterly Call Reports with the FDIC under Certificate #30332. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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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 6 points below the Louisiana state average of 77 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 83, meaning this bank ranks below its size cohort. Site-wide, Abbeville Bldg&L State-Chart is 9 points below the portfolio average of 80.
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's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #30332 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
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.