TellerScore

Abacus Federal Savings Bank is a savings bank headquartered in New York, New York, in business for about 42 years. At the end of Q2 2026 it reported $320.7M in total assets and $257.9M in deposits, with 5 offices across 3 states.

Abacus Federal Savings Bank has a TellerScore of 76 out of 100 (strong) based on Q2 2026 data — higher than 64% of its 2,650 banks with $100 million – $1 billion. Among 121 banks headquartered in New York, it ranks 27th. Capital cushion contributes the most (100/100, 16.32%); earnings contributes the least (31/100, 0.27%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 16.32%
Loan quality84/100
Noncurrent loans ÷ total loans: 0.47%
Earnings31/100
Return on assets (annualized): 0.27%
Funding & liquidity64/100
Loans ÷ deposits and uninsured-deposit share: 93.8% · 16.7% uninsured
Problem-loan coverage96/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.24%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (77 → 76).

TellerScore
757778Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202477
Q3 202477
Q4 202477
Q1 202578
Q2 202577
Q3 202576
Q4 202577
Q1 202675
Q2 202676
Tier 1 leverage ratio
5.00%10.73%16.47%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202415.32%
Q3 202415.53%
Q4 202415.84%
Q1 202515.91%
Q2 202515.86%
Q3 202515.93%
Q4 202515.88%
Q1 202616.47%
Q2 202616.32%
Noncurrent loans
0.45%0.60%0.75%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.56%
Q3 20240.56%
Q4 20240.68%
Q1 20250.45%
Q2 20250.61%
Q3 20250.75%
Q4 20250.46%
Q1 20260.61%
Q2 20260.47%
Return on assets
0.24%0.44%0.63%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.52%
Q3 20240.50%
Q4 20240.63%
Q1 20250.47%
Q2 20250.48%
Q3 20250.42%
Q4 20250.36%
Q1 20260.24%
Q2 20260.27%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$320.7M16.32%0.47%0.27%93.8%
Q1 202675$319.3M16.47%0.61%0.24%95.4%
Q4 202577$316.1M15.88%0.46%0.36%98.6%
Q3 202576$329.6M15.93%0.75%0.42%92.0%
Q2 202577$327.9M15.86%0.61%0.48%92.9%
Q1 202578$325.4M15.91%0.45%0.47%95.5%
Q4 202477$319.7M15.84%0.68%0.63%99.1%
Q3 202477$320.4M15.53%0.56%0.50%99.6%
Q2 202477$325.9M15.32%0.56%0.52%97.4%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio16.32%
91st
Total risk-based capital35.26%
98th
Problem loans0.47%
47th
Net charge-offs0.00%
68th
Return on assets0.27%
7th
Net interest margin4.50%
80th
Efficiency ratio91.8%
5th
Loans to deposits93.8%
18th
Uninsured deposits16.7%
77th
Loan-loss reserves1.19%
49th
Texas ratio2.2%
55th

Similar-size banks in New York

InstitutionScoreAssetsCapitalProblem loansCompare
Seneca Savings Bank, National AssociationBank Baldwinsville, NY51 out of 100, Below average$312.5M9.8%1.12%vs
Carthage Savings and Loan, National AssociationBank Carthage, NY77 out of 100, Strong$312.1M12.9%0.32%vs
Bank of MillbrookBank Millbrook, NY73 out of 100, Strong$311.7M12.1%1.76%vs
American Community BankBank Glen Cove, NY78 out of 100, Strong$306.5M13.4%0.00%vs
Global BankBank New York, NY36 out of 100, Low$304.2M12.1%4.49%vs
The Upstate National BankBank Ogdensburg, NY63 out of 100, Moderate$294.8M10.2%0.00%vs

Deposit insurance

Is my money safe at Abacus Federal Savings Bank?

Yes. Abacus Federal Savings Bank is an FDIC-insured institution (FDIC certificate #32257). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 16.7% of deposits ($43.0M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 16.32%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 35.26% (benchmark: 10%).

Check how much of your own balance is covered

5 locations

Branches

Abacus Federal Savings Bank lists 5 offices in 5 cities across 3 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Abacus Federal Savings Bank
Type
Savings bank
FDIC certificate #
32257
RSSD ID
762773
Primary regulator
OCC
Established
November 29, 1984
Headquarters
6 Bowery, New York, NY 10013
Employees
71

Quick answers

Abacus Federal Savings Bank: common questions

Is Abacus Federal Savings Bank FDIC insured?

Yes. Abacus Federal Savings Bank is an FDIC-insured institution (FDIC certificate #32257). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Abacus Federal Savings Bank's TellerScore?

76 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Abacus Federal Savings Bank ever failed?

There is no failure record for FDIC certificate #32257 in the FDIC failed bank list.

How many branches does Abacus Federal Savings Bank have?

5 offices as of the latest FDIC data, in 3 states.

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