ABBEVILLE BUILDING & LOAN (A STATE-CHARTERED SAVINGS BANK)

ABBEVILLE, LA · Supervised by FDIC

Est. 1890FDIC #30,332RSSD: FDIC-30332

Satisfactory Same

Current rating · Exam: December 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.25%

Is this bank safe?

ABBEVILLE BUILDING & LOAN (A STATE-CHARTERED SAVINGS BANK) holds a Satisfactory CRA rating (2025), meets basic financial requirements (ROA +0.25%).

Institution Profile

FDIC BankFind

Website

www.abbemae.com

Address

1212 Charity St, ABBEVILLE, LA

County

Vermilion County

Established

January 1, 1890

Total Assets

$66M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

December 1, 2025

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

Estimated next exam:Dec 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$66M

Total Deposits

$45M

Net Loans

$45M

Net Income

$42K

ROA

0.25%

Below avg for Small banks. Peer avg: 0.44%

ROE

0.86%

Risk-Based Capital

39.96%

Above avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA0.25%Peer avg: 0.44%▼ Below avg

Risk-Based Capital39.96%Peer avg: 23.03%▲ Above avg

Mortgage Denial Rate8.87%Peer avg: 6.90%▲ More than avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$46M

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	248	78.63%	8.87%
2023	191	81.15%	9.42%
2022	258	81.4%	10.08%
2021	712	85.81%	8.57%
2020	972	91.36%	3.81%
2019	383	88.25%	6.27%
2018	319	83.7%	9.40%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Dec 2025	Satisfactory	Small Bank
Dec 2019	Satisfactory	Small Bank
Jul 2014	Satisfactory	Small Bank

4 previous ratings locked — back to 1997

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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