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This institution is no longer active

Operations ceased on March 5, 2004. CRA examination history below reflects the period it was active.

THE BANK OF ABBEVILLE

ABBEVILLE, SC · Supervised by FDIC

Est. 1987FDIC #26,964RSSD: FDIC-26964
Part ofABBEVILLE CAPITAL CORP→ View all charters
Outstanding Up

Current rating · Exam: May 1998

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 1.42%

Institution Profile

FDIC BankFind

Address

205 South Main Street, ABBEVILLE, SC

County

Abbeville County

Established

May 14, 1987

Total Assets

$70M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

May 1, 1998

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 28 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q4 2003Call Report / FDIC

Total Assets

$70M

Total Deposits

$52M

Net Loans

$38M

Net Income

$981K

ROA

1.42%

ROE

13.43%

Risk-Based Capital

17.43%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate18.44%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202414163.12%18.44%
202318567.57%11.89%
202219966.33%8.54%
202131971.47%5.02%
202035476.27%7.06%
201917065.29%11.76%
201820380.79%8.87%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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