TellerScore

Bank of Travelers Rest is a state-chartered bank headquartered in Travelers Rest, South Carolina, in business for about 80 years. At the end of Q2 2026 it reported $1.6B in total assets and $1.4B in deposits, with 11 offices.

Bank of Travelers Rest has a TellerScore of 79 out of 100 (strong) based on Q2 2026 data — higher than 88% of its 897 banks with $1 billion – $10 billion. Among 44 banks headquartered in South Carolina, it ranks 13th. Problem-loan coverage contributes the most (99/100, 0.7%); capital cushion contributes the least (53/100, 10.29%).

TellerScore · Q2 2026

Scorecard

Capital cushion53/100
Tier 1 leverage ratio: 10.29%
Loan quality96/100
Noncurrent loans ÷ total loans: 0.12%
Earnings84/100
Return on assets (annualized): 1.60%
Funding & liquidity83/100
Loans ÷ deposits and uninsured-deposit share: 64.0% · 27.3% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.72%

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

From Q2 2025 to Q2 2026, the score rose 3 points (76 → 79), mostly because the capital cushion component improved by 7 points.

TellerScore
757881Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202475
Q3 202476
Q4 202475
Q1 202576
Q2 202576
Q3 202575
Q4 202576
Q1 202681
Q2 202679
Tier 1 leverage ratio
5.00%7.64%10.29%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.49%
Q3 20249.68%
Q4 20249.43%
Q1 20259.55%
Q2 20259.64%
Q3 20259.79%
Q4 20259.85%
Q1 202610.23%
Q2 202610.29%
Noncurrent loans
0.03%0.11%0.18%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.04%
Q3 20240.04%
Q4 20240.04%
Q1 20250.03%
Q2 20250.09%
Q3 20250.18%
Q4 20250.16%
Q1 20260.14%
Q2 20260.12%
Return on assets
1.17%1.54%1.91%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.17%
Q3 20241.23%
Q4 20241.32%
Q1 20251.37%
Q2 20251.42%
Q3 20251.41%
Q4 20251.44%
Q1 20261.91%
Q2 20261.60%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202679$1.6B10.29%0.12%1.60%64.0%
Q1 202681$1.6B10.23%0.14%1.91%63.1%
Q4 202576$1.6B9.85%0.16%1.44%63.7%
Q3 202575$1.5B9.79%0.18%1.41%63.9%
Q2 202576$1.5B9.64%0.09%1.42%63.3%
Q1 202576$1.5B9.55%0.03%1.37%61.4%
Q4 202475$1.5B9.43%0.04%1.32%61.5%
Q3 202476$1.4B9.68%0.04%1.23%63.1%
Q2 202475$1.4B9.49%0.04%1.17%61.3%

897 peers · $1 billion – $10 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 ratio10.29%
45th
Total risk-based capital17.07%
83rd
Problem loans0.12%
84th
Net charge-offs0.10%
31st
Return on assets1.60%
74th
Net interest margin3.27%
25th
Efficiency ratio59.0%
50th
Loans to deposits64.0%
91st
Uninsured deposits27.3%
62nd
Loan-loss reserves1.31%
71st
Texas ratio0.7%
87th

Similar-size banks in South Carolina

InstitutionScoreAssetsCapitalProblem loansCompare
Security Federal BankBank Aiken, SC69 out of 100, Moderate$1.5B10.8%0.85%vs
Coastal Carolina National BankBank Myrtle Beach, SC71 out of 100, Strong$1.4B9.4%0.00%vs
First Capital BankBank Charleston, SC68 out of 100, Moderate$1.3B9.6%0.10%vs
South Atlantic BankBank Myrtle Beach, SC70 out of 100, Strong$2.0B9.4%0.01%vs
The Conway National BankBank Conway, SC79 out of 100, Strong$2.0B10.2%0.02%vs
The Citizens BankBank Olanta, SC74 out of 100, Strong$1.1B9.9%0.18%vs

Deposit insurance

Is my money safe at Bank of Travelers Rest?

Yes. Bank of Travelers Rest is an FDIC-insured institution (FDIC certificate #16389). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 27.3% of deposits ($389.4M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.29%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.07% (benchmark: 10%).

Check how much of your own balance is covered

11 locations

Branches

Bank of Travelers Rest lists 11 offices in 5 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Bank of Travelers Rest reported 230 home-loan applications under HMDA (LEI 2549000A72B92T5BS479): 170 originated ($68,440,000 total), 25 denied, and 32 withdrawn or closed by the applicant. Its denial rate on decided applications was 12.6%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Bank of Travelers Rest
Type
State-chartered bank
FDIC certificate #
16389
RSSD ID
589523
Primary regulator
FDIC
Holding company
Travelers Rest Bancshares Inc
Established
March 10, 1946
Headquarters
42 Plaza Dr, Travelers Rest, SC 29690
Employees
172

Quick answers

Bank of Travelers Rest: common questions

Is Bank of Travelers Rest FDIC insured?

Yes. Bank of Travelers Rest is an FDIC-insured institution (FDIC certificate #16389). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Bank of Travelers Rest's TellerScore?

79 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 Bank of Travelers Rest ever failed?

There is no failure record for FDIC certificate #16389 in the FDIC failed bank list.

How many branches does Bank of Travelers Rest have?

11 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Travelers Rest

InstitutionScoreAssetsCapitalProblem loansCompare
S. C. State Federal Credit UnionCredit union Columbia, SC91 out of 100, Very strong$1.5B15.6%0.82%vs
The Peoples BankBank Iva, SC89 out of 100, Very strong$446.7M12.9%0.00%vs
First Piedmont Federal Savings and Loan Association of GaffneyBank Gaffney, SC84 out of 100, Strong$597.1M29.1%0.73%vs
Curis Financial Credit UnionCredit union Columbia, SC82 out of 100, Strong$84.3M23.5%0.59%vs
Greenville Heritage Federal Credit UnionCredit union Greenville, SC80 out of 100, Strong$181.2M12.5%0.34%vs
CBL State Savings BankBank Greer, SC80 out of 100, Strong$191.3M15.9%0.01%vs