Abbybank
Abbotsford, Wisconsin · FDIC Cert #19795
Abbybank is an FDIC-insured bank (Certificate #19795) with $654M in total assets and $541M in total deposits as of the Q2 2024 Call Report. Headquartered in Abbotsford, Wisconsin, the bank maintains a Tier 1 capital ratio of 11.32% (Well-Capitalized) and a nonperforming loan ratio of 1.23%. BankHealthData assigns a composite Health Grade of B (72/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Abbybank (FDIC cert 19795) is a community bank — $654M in total assets, $541M in deposits, serving the Abbotsford, Wisconsin area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is adequate: Tier 1 capital ratio of 11.32% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is normal: non-performing loan ratio of 1.23% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is comfortable: 26.9% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is thin: ROA of 0.22% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. 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. Abbybank carries a composite BankHealth grade of B (72/100) 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: Abbybank
- Total Assets
- $654M
- Total Deposits
- $541M
- Tier 1 Capital Ratio
- 11.32%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.23%
- Liquidity Ratio
- 26.87%
- Return on Assets
- 0.22%
- Headquarters
- Abbotsford, Wisconsin
- FDIC Certificate
- #19795
- Health Grade
- B (72/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Abbybank holds a Tier 1 capital ratio of 11.32%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Abbybank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Abbybank shows strong financial health indicators. With $654M in assets and a Health Score of 72/100, 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 Abbybank Compares
Abbybank’s Health Score of 72 is 5 points above the Wisconsin state average of 67 across 141 FDIC-insured banks. Its 11.32% Tier 1 capital ratio is 2.7 points below the US banking industry average near 14%. The 1.23% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.22% is below the national ROA benchmark of ~1.1%. Among 1298 similarly-sized banks, the average Health Score is 70, meaning this bank ranks above its size cohort. Site-wide, Abbybank is 2 points above the portfolio average of 70.
Frequently Asked Questions
Abbybank has a Bank Health Score of B (72/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 11.32%, 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. Abbybank's Tier 1 capital ratio of 11.32% and nonperforming loan ratio of 1.23% 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 Abbybank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #19795). 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.
Abbybank holds $654M in total assets and $541M in total deposits. It is headquartered in Abbotsford, Wisconsin (FDIC Certificate #19795).
Abbybank has a Tier 1 capital ratio of 11.32%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.23%, and the return on assets is 0.22%.
Yes. Abbybank is FDIC-insured (Certificate #19795). 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%).
Abbybank'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.