Bank of Travelers Rest

42 Plaza Drive
Travelers Rest, SC 29690


General Bank Information

FDIC Insured Yes
FDIC Certificate # 16389
Date Established 1946
Assets $0.63 billion
Loans $0.39 billion
Deposits $0.56 billion
Capital $0.06 billion

Bank of Travelers Rest is an FDIC insured institution located in Travelers Rest, SC. It was founded in 1946 and has approximately $0.63 billion in assets. Customers can open an account at one of its 10 branches.

For a more detailed analysis of Bank of Travelers Rest's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Bank of Travelers Rest’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Small Business Loans.

Compared to other banks in South Carolina, Bank of Travelers Rest has a significantly higher percent of Credit Card Loans, Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 27.24
Credit Card Loans 2.10
Consumer Auto Loans 1.54
Small Business Loans 21.96
Construction and Development Loans 7.01
Commercial Real Estate 45.94
Commercial and Industrial Loans 11.12
Farm Loans 0.01

Savings Rates

Your Current Location: Virginia, VA 20146

03MCD10K 0.20% $1,000 $99,999 Learn MoreShow Less
3 Mo CD 100K 0.30% $100,000 - Learn MoreShow Less
06MCD10K 0.30% $1,000 $99,999 Learn MoreShow Less
6 Mo CD 100K 0.40% $100,000 - Learn MoreShow Less
Special: 7 Mo CD 0.30% $10,000 $500,000 Learn MoreShow Less
12MCD10K 0.40% $1,000 $99,999 Learn MoreShow Less
12 Mo CD 100K 0.50% $100,000 - Learn MoreShow Less
Special: 13 Mo CD 0.40% $10,000 $500,000 Learn MoreShow Less
18MCD10K 0.50% $1,000 $99,999 Learn MoreShow Less
18 Mo CD 100K 0.60% $100,000 - Learn MoreShow Less
Special: 19 Mo CD 0.50% $10,000 $500,000 Learn MoreShow Less
24MCD10K 0.75% $1,000 $99,999 Learn MoreShow Less
24 Mo CD 100K 0.85% $100,000 - Learn MoreShow Less
Special: 25 Mo CD 0.75% $10,000 $500,000 Learn MoreShow Less
Special: 29 Mo CD 1.10% $10,000 $500,000 Learn MoreShow Less
30MCD10K 0.90% $1,000 $99,999 Learn MoreShow Less
30 Mo CD 100K 1.00% $100,000 - Learn MoreShow Less
36MCD10K 1.10% $1,000 $99,999 Learn MoreShow Less
36 Mo CD 100K 1.21% $100,000 - Learn MoreShow Less
Special: 42 Mo CD 1.15% $10,000 $500,000 Learn MoreShow Less
48MCD10K 1.20% $1,000 $99,999 Learn MoreShow Less
48 Mo CD 100K 1.26% $100,000 - Learn MoreShow Less
Special: 59 Mo CD 1.41% $10,000 $500,000 Learn MoreShow Less
60MCD10K 1.31% $1,000 $99,999 Learn MoreShow Less
60 Mo CD 100K 1.41% $100,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Savings 2.5K 0.10% $25 - Learn MoreShow Less
Fixed IRA 0K 1.10% $100 - Learn MoreShow Less
Special: 29 Mo FIRA 1.10% $10,000 $500,000 Learn MoreShow Less
Special: 59 Mo FIRA 1.41% $10,000 $500,000 Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA 0K 1.10% $100 - Learn MoreShow Less
MM 2.5K 0.10% $1,000 $9,999 Learn MoreShow Less
MM 10K 0.15% $10,000 $24,999 Learn MoreShow Less
MM25K 0.25% $25,000 $39,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K 0.05% $500 $9,999 Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

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Financial Details

Bank of Travelers Rest Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank of Travelers Rest. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Bank of Travelers Rest U.S. Bank Average
5.02% 9.04%

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of December 31, 2016, Bank of Travelers Rest had $1,791,000 in non-current loans and $1,588,000 in owned real estate. To cover these potential losses it had $59,583,000 in equity and $7,735,000 in loans loss reserves. That gives it a Texas Ratio of 5.02%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
Bank of Travelers Rest U.S. Bank Average
11.7% 8.42%

Bank of Travelers Rest has a Return on Equity of 11.7% versus the BestCashCow average of 8.42%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Bank of Travelers Rest U.S. Bank Average
9.39% 11.86%

Bank of Travelers Rest has a Capitalization of 9.39% versus the BestCashCow average of 11.86%. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Bank of Travelers Rest Balance Sheet Analysis

As of December 31, 2016, Bank of Travelers Rest had assets of $634,616,000, loans of $385,757,000, and deposits of $562,041,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

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