# BANK OF TRAVELERS REST
TRAVELERS REST, SC · FDIC certificate 16389 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.60B | |
| Deposits | $1.42B | |
| Loans and leases | $922.8M | |
| Total equity | $147.0M | |
| Loans / deposits | 63.95% (p10 of band) | 87.10% |
| Liquid assets / assets | 38.48% (p88 of band) | |
| Uninsured deposits / deposits | 27.34% (p39 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.91% (p22 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.29% (p45 of band) | 10.50% |
| Unrealized securities loss / equity | -16.95% (p25 of band) | -7.75% |
| AOCI / equity | 2.20% (p99 of band) | |
| ROA (annualized) | 1.60% (p74 of band) | 1.26% |
| Net interest margin | 3.27% (p25 of band) | 3.70% |
| Efficiency ratio | 59.00% (p50 of band) | |
| Noncurrent loans | 0.12% (p16 of band) | 0.51% |
| Net charge-offs (annualized) | 0.06% (p65 of band) | |
| Reserve coverage of noncurrent | 1058.95% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 56.10% (p59 of band) | |
| Auto loans | $12.6M (1.37% of loans; DQ 0.17%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 3.9% | |
| Employees | 172 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | leverage <7%, reserve under noncurrent |  |
| 2011-06 | 1 |  | leverage <7% |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | uninsured deposits leaving |  |
| 2012-06 | 1 |  | reserve under noncurrent |
| 2012-09 | 0 |  | uninsured deposits leaving |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | charge-offs p90 |  |
| 2018-06 | 0 |  | charge-offs p90 |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | capital falling |  |
| 2022-03 | 2 | AOCI drag >20% of equity |  |
| 2022-06 | 3 | securities losses >30% of equity |  |
| 2022-09 | 2 |  | capital falling |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | construction >100% equity |  |
| 2023-12 | 1 |  | construction >100% equity |
| 2024-03 | 2 | construction >100% equity |  |
| 2024-06 | 1 |  | construction >100% equity |
| 2024-09 | 0 |  | securities losses >30% of equity |
| 2024-12 | 2 | securities losses >30% of equity, construction >100% equity |  |
| 2025-03 | 1 |  | securities losses >30% of equity |
| 2025-06 | 0 |  | construction >100% equity |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-19 [Mrs. Kathy Davis Butts - View Obituary & Service Information - Howze Mort](https://news.google.com/rss/articles/CBMiakFVX3lxTFA0U0IwYlVYN3A1dGQ0LUJ2Z1J3WExxNXZQRkh1ajUxdXdNYmNzeVY3cDItTEhzSkFGdlo0d2Z5a0tobXZmdTBWQ0RyVG1KcXFYN3pJZGY5bnhWOXBkbXBGM2w3QlB0TE91S0E?oc=5) · Howze Mort
- 2026-01-29 [Top Family Banks: Greenville, SC (KABOOM Awards Winners) - Kidding Around Greenville](https://news.google.com/rss/articles/CBMikgFBVV95cUxPdENWRVhGeWJ6bVNJZFRvUTVFaTZOcUx0WlljNmRvVU4wOHJ0aU91MnFRUU9fZmtWZXliLV9Jakw1ODROakZid1RlMjZBRmRoWTJ4WlVLX0p6U1JzNC0yVEhkSTZKakNwMnVjeVVKRUhjclFsdWtYUzZmeUk2UkdhUGNZOW53RWU4dWU1SEJaZ1BSZw?oc=5) · Kidding Around Greenville
- 2026-02-14 [Andrew Preston Fant, III Obituary Feb 14, 2026 - obits.robinsonfuneralhomes.com](https://news.google.com/rss/articles/CBMiZEFVX3lxTE9qUEZTbjhib1daWkpnT0UzbDF0Z2ZWclVGUmhwWlp2cnRpQ3VwQ0lpWEhwaHhuS3l5THIycDZPS3dCZ2RwMzUxcGVQWkFveG9LNENFaXZCcXR4V1ctWExwbkxtUHQ?oc=5) · obits.robinsonfuneralhomes.com
- 2024-06-18 [Travelers Rest bank robbery suspect apologizes during bond hearing - FOX Carolina News](https://news.google.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?oc=5) · FOX Carolina News
- 2021-03-03 [Milestone: Bank of Travelers Rest celebrates 75 years in northern Greenville County - upstate business journal](https://news.google.com/rss/articles/CBMinAFBVV95cUxNR1c3Ym94Nm9BSFJCdTg4VU45T1lINE9uVTRPS2o1cVBmc0pxdHBYWXJnZ290eUhnd2lJWFdRMTlOVUNnczZtX1kwY0R0S2hpcVd0VnVwbmU4cWFtS190aUkzRUxzNy1rS1Y2R002VTVVQ1oyMGNURWVrLWZLRTJxdTNWTHoxVWFsemZENGFpd3BtZnlrV0dVUngyTlM?oc=5) · upstate business journal
- 2025-05-31 [5.27 Bank of Travelers Rest Day! - MLB.com](https://news.google.com/rss/articles/CBMiREFVX3lxTE1jN0t3UTJKSktid3p3azlGcVQ0SGx1OHN3VmctNTJEdGkzaFpLUUt0dEI1LWJPZDFWR0wtcUUyUUs0WWc1?oc=5) · MLB.com
- 2018-07-11 [Bank of Travelers Rest – Lori Owens - Greenville Journal](https://news.google.com/rss/articles/CBMifkFVX3lxTFBfTXR4djNYYTVhWkg5MEx1OFZlR0FmOTlkelh2UC1jODRWZThQU0d5bnlXQUIxaUJ1SmozaEZIbWo3cVU3TjdOcWYyYUxqSlV2ZHZweWgyM05tSHpYSE9LalVlWmxmaUFTLVdWVjlETWFSRmtBcWsyQ0ZTX0Fudw?oc=5) · Greenville Journal
- 2024-06-20 [Bank Robbery In South Carolina Upstate Rattles Residents - FITSNews](https://news.google.com/rss/articles/CBMimAFBVV95cUxQUnl6RDVMNks4OGtmaHQtWGFmSXdUa3dSb3o5TTItRUtiUWVBQXQ4b1RqR21LN3VCSWZGZUowLUJWQkxMVEhRZEhrY21BSWdtbVZfS211a3JrdDZMZ2MwLXNfMGhubEsxbFVFSTV2TlJnb0twNzNza2treHRXX2tuZ2lvTVFRZjJNMDV6U1dFNGhPRzRqTkN6eQ?oc=5) · FITSNews

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16389 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/5.json (key "16389", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide