Bank Safety Analysis
Is Abbeville Building and Loan, a State Chartered Savings Bank Safe? Abbeville, Louisiana
Based on its Q3 2026 call report, Abbeville Building and Loan, a State Chartered Savings Bank meets every capital ratio test for well capitalized, its Texas ratio is 3.39%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is Abbeville Building and Loan, a State Chartered Savings Bank safe?
On its Q3 2026 call report, Abbeville Building and Loan, a State Chartered Savings Bank's CET1 ratio is 40.21%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q3 2026): 40.21%
- Tier 1 leverage ratio (Q3 2026): 28.61%
- Texas ratio (Q3 2026): 3.39%
- Noncurrent loans ratio (Q3 2026): 1.45%
Abbeville Building and Loan, a State Chartered Savings Bank is an FDIC-insured savings bank (FDIC Certificate #30332). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report Abbeville Building and Loan, a State Chartered Savings Bank (FDIC Certificate #30332) filed for the quarter ended September 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
Abbeville Building and Loan, a State Chartered Savings Bank meets regulatory minimums but is on the watch band for 1 of 5 safety dimensions.
Net interest margin fell 0.14 percentage points from Q2 2026 to Q3 2026, ending at 3.76% against 3.90%. It was the largest change among the key lines on this page. Abbeville Building and Loan, a State Chartered Savings Bank ranks 5th of 44 Louisiana banks on CET1 ratio, in the upper half at 40.21% (Q3 2026). Abbeville Building and Loan, a State Chartered Savings Bank's CET1 ratio of 40.21% is well above the 19.96% median for banks in the < $100M asset tier, a gap of 20.25 points (Q3 2026). From Q4 2023 to Q3 2026, Abbeville Building and Loan, a State Chartered Savings Bank's CET1 ratio ranged between 39.16% (Q1 2026) and 46.14% (Q4 2023) and its Texas ratio ranged between 2.90% (Q4 2023) and 5.66% (Q1 2026). Between Q3 2025 and Q3 2026, Abbeville Building and Loan, a State Chartered Savings Bank's CET1 ratio fell from 41.37% to 40.21%, nonperforming loan ratio (nonaccrual plus 90+ days past due) fell from 2.35% to 1.45%, Texas ratio fell from 5.19% to 3.39% and return on assets rose from 0.47% to 0.56%.
Abbeville Building and Loan, a State Chartered Savings Bank ranks as the 97th largest of the 103 banks based in Louisiana, by total assets at Q3 2026. 1-4 family residential loans are its largest loan category, $30.2M of $47.3M in total loans on its September 30, 2026 call report. Against the 567 banks with under $100M in assets for Q3 2026, Abbeville Building and Loan, a State Chartered Savings Bank's CET1 ratio of 40.21% is above the 19.96% median, Tier 1 leverage ratio of 28.61% is above the 12.88% median, nonperforming loans ratio of 1.45% is above the 0.36% median, Texas ratio of 3.39% is above the 1.89% median, and efficiency ratio of 84.25% is above the 69.32% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
Held-out test AUC 0.925 for the 1-year horizon (v20261103_032653). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety.
The risk tier comes from the composite score; the 12-month figure rounds to zero for this bank, so it is not shown beside a tier above Low.
How does Abbeville Building and Loan, a State Chartered Savings Bank score on capital, credit and costs?
Peer cohort: Under $100M (568 banks) · Industry averages as of Q3 2026.
Median of the 567 banks with under $100M in assets, Q3 2026: 19.96%.
Median of the 567 banks with under $100M in assets, Q3 2026: 12.88%.
Median of the 567 banks with under $100M in assets, Q3 2026: 0.36%.
Median of the 567 banks with under $100M in assets, Q3 2026: 1.89%.
Median of the 567 banks with under $100M in assets, Q3 2026: 69.32%.
Does Abbeville Building and Loan, a State Chartered Savings Bank trip any risk screens?
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | 40.21% | Within range |
| Texas ratio BankRegReports band | 3.39% | Within range |
| Nonperforming loan ratio BankRegReports band | 1.45% | Within range |
| Uninsured deposit share BankRegReports band | — | Not reported |
| Loan-to-deposit ratio BankRegReports band | 94.08% | Within range |
| Commercial real estate to capital supervisory threshold | 84.69% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q3 2026 | 40.21% |
| Q2 2026 | 39.68% |
| Q1 2026 | 39.16% |
| Q4 2025 | 40.47% |
| Q3 2025 | 41.37% |
| Q2 2025 | 39.86% |
| Q1 2025 | 41.85% |
| Q4 2024 | 42.09% |
| Q3 2024 | 42.40% |
| Q2 2024 | 42.11% |
| Q1 2024 | 44.45% |
| Q4 2023 | 46.14% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q3 2026 | 3.39% |
| Q2 2026 | 3.08% |
| Q1 2026 | 5.66% |
| Q4 2025 | 3.56% |
| Q3 2025 | 5.19% |
| Q2 2025 | 5.02% |
| Q1 2025 | 3.18% |
| Q4 2024 | 3.93% |
| Q3 2024 | 3.38% |
| Q2 2024 | 3.42% |
| Q1 2024 | 2.97% |
| Q4 2023 | 2.90% |
Loans by type, Q3 2026
- 1-4 family residential loans: $30.2M
- Construction and land development loans: $17.1M
- Other consumer loans: $85K
How have Abbeville Building and Loan, a State Chartered Savings Bank's safety ratios changed?
| Quarter end | Total assets | CET1 | Leverage | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|---|
| Sep 30, 2026 | $71.3M | 40.21% | 28.61% | 1.45% | 3.39% | 84.25% |
| Jun 30, 2026 | $67.9M | 39.68% | 29.43% | 1.31% | 3.08% | 83.64% |
| Mar 31, 2026 | $66.2M | 39.16% | 29.81% | 2.51% | 5.66% | 91.72% |
| Dec 31, 2025 | $66.0M | 40.47% | 29.33% | 1.61% | 3.56% | 98.42% |
| Sep 30, 2025 | $66.5M | 41.37% | 29.54% | 2.35% | 5.19% | 89.79% |
| Jun 30, 2025 | $66.5M | 39.86% | 29.90% | 2.24% | 5.02% | 105.15% |
| Mar 31, 2025 | $64.5M | 41.85% | 30.64% | 1.46% | 3.18% | 104.03% |
| Dec 31, 2024 | $63.2M | 42.09% | 31.08% | 1.75% | 3.93% | 97.27% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Abbeville Building and Loan, a State Chartered Savings Bank FDIC insured?
Yes. Abbeville Building and Loan, a State Chartered Savings Bank is an FDIC-insured savings bank (FDIC Certificate #30332). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is Abbeville Building and Loan, a State Chartered Savings Bank well capitalized?
On its Q3 2026 call report, Abbeville Building and Loan, a State Chartered Savings Bank's CET1 ratio is 40.21%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the FDIC, applies.
What are Abbeville Building and Loan, a State Chartered Savings Bank's key safety ratios?
For Q3 2026, Abbeville Building and Loan, a State Chartered Savings Bank reports CET1 40.21%, leverage 28.61%, Texas ratio 3.39%, noncurrent loans 1.45%. Its Texas ratio compares with the 1.89% median for the 567 banks with under $100M in assets.
What happens to my deposits if Abbeville Building and Loan, a State Chartered Savings Bank fails?
For Q3 2026, Abbeville Building and Loan, a State Chartered Savings Bank reported $50.3M in total deposits. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Where does this data come from?
Not investment advice. See the full Abbeville Building and Loan, a State Chartered Savings Bank profile.
How we score this
Capital categories follow Prompt Corrective Action (12 CFR 324.403): well capitalized at a CET1 ratio of 6.5%, Tier 1 risk-based 8%, total risk-based 10% and Tier 1 leverage 5%; adequately capitalized at 4.5%, 6%, 8% and 4%. A community bank may elect the community bank leverage ratio instead.
CET1 Ratio: Common equity tier 1 (CET1) capital, mostly common stock and retained earnings, divided by risk-weighted assets. Pass ≥ 7.0% (minimum plus conservation buffer), fail < 4.5% (below minimum).
Tier 1 Leverage Ratio: Tier 1 capital divided by average total assets, with no risk weighting. Pass ≥ 5.0% (well-capitalized), fail < 4.0% (below minimum).
Nonperforming Loans (NPL) Ratio: Nonaccrual loans plus loans 90 or more days past due, divided by total loans. Pass < 1.5%, fail > 3.0%.
Texas Ratio: Problem assets (nonaccrual loans, loans 90+ days past due and still accruing, and OREO, net of U.S. government-guaranteed portions) divided by tangible equity plus the allowance for credit losses. Pass < 50%, fail > 100% (historical failure threshold).
Efficiency Ratio: Noninterest expense divided by revenue (net interest income plus noninterest income). Pass ≤ 75% (lower is better), fail ≥ 90%.
Risk screens, beyond those bands: Uninsured deposit share watch at 50%, concern at 70%; Loan-to-deposit ratio flags at 100% or above; Commercial real estate to capital watch at 200% (our band), concern at 300% (the 2006 interagency guidance level); Held-to-maturity unrealized loss to equity watch at 10%, concern at 25%; NPL, Texas ratio and efficiency bands are ours.
Not a credit rating. Methodology.