BlastPoint's Banking Scorecard

Abbeville First Bank, SSB

$100M-$1B Specialty: Mortgage SC FDIC cert 30619

Designations: ✓ Mutual

Abbeville, SC

2 branches across SC

2664 banks in the $100M-$1B peer group nationally 27 in SC

Abbeville First Bank, SSB has 1 strength but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.28% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 27.9% in tier
- Credit Quality Pressure: Bottom 36.1% in tier
- Credit Risk Growth: Bottom 48.7% in tier
- Cost Spiral: Bottom 54.8% in tier
- ROA 0.43% below tier average
- Net Interest Margin 0.21% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Total Assets ?	$137.6M +2.6% YoY +0.2% QoQ	-$248.4M	$386.1M +0.5% YoY	$1.5B +4.7% YoY	$6.2B +9.1% YoY	Bottom 10.4% in tier
Total Loans ?	$89.0M +11.1% YoY +1.8% QoQ	-$166.7M	$255.7M +1.1% YoY	$993.8M +7.7% YoY	$3.2B +10.8% YoY	15%
Total Deposits ?	$113.4M +0.6% YoY +0.3% QoQ	-$214.5M	$328.0M +0.1% YoY	$1.3B +4.0% YoY	$4.8B +8.2% YoY	Bottom 9.8% in tier
Return on Assets ?	0.84% -7.4% YoY -0.6% QoQ	-0.43%	1.27% +12.9% YoY	1.18% +45.0% YoY	1.23% +13.4% YoY	28%
Net Interest Margin ?	3.72% +5.2% YoY +1.4% QoQ	-0.21%	3.93% +6.0% YoY	3.64% +5.2% YoY	3.89% +5.7% YoY	41%
Efficiency Ratio ?	73.73% +7.3% YoY +5.7% QoQ	+8.44%	65.29% -4.5% YoY	67.38% -5.7% YoY	66.95% -4.1% YoY	25%
Delinquency Rate ?	0.60% +35.3% YoY -14.0% QoQ	-0.28%	0.89% +18.8% YoY	0.54% +11.8% YoY	0.95% +18.8% YoY	40%
Loan-to-Deposit Ratio ?	78.47% +10.4% YoY +1.5% QoQ	+1.83%	76.64% +0.8% YoY	73.64% +1.6% YoY	76.70% +0.9% YoY	50%
Non-Interest-Bearing Deposit Share ?	22.31% -16.5% YoY +1.2% QoQ	+0.29%	22.02% -1.0% YoY	20.84% -0.7% YoY	22.01% -1.2% YoY	55%
Nonperforming Asset Ratio ?	0.39% +46.5% YoY -12.5% QoQ	-0.25%	0.64% +19.7% YoY	0.34% +10.8% YoY	0.67% +19.3% YoY	44%
Tier 1 Capital Ratio ?	10.24% +5.3% YoY -0.5% QoQ	-5.59%	15.83% +1.5% YoY	17.50% +3.0% YoY	17.06% +0.8% YoY	Bottom 12.7% in tier
Non-Interest Income / Assets ?	0.07% -4.4% YoY -76.2% QoQ	-0.21%	0.28% +9.3% YoY	0.17% +48.2% YoY	0.32% +4.1% YoY	34%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (4)

Capital Thin

risk

#187 of 666 • Bottom 27.9% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.24%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk

#473 of 1308 • Bottom 36.1% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.60%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank declining

Credit Risk Growth

risk

#475 of 973 • Bottom 48.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank improving

Cost Spiral

risk

#70 of 126 • Bottom 54.8% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 73.73%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

126 of 126 Community banks match · 176 nationally

↑ Growing +82 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (5 metrics)

2403

Total Deposits

size

Value: $113.44M

Peer Median: $327.97M

#2403 of 2664 Bottom 9.8% in $100M-$1B

2387

Total Assets

size

Value: $137.65M

Peer Median: $386.08M

#2387 of 2664 Bottom 10.4% in $100M-$1B

2326

Tier 1 Capital Ratio

capital

Value: 10.24%

Peer Median: 15.83%

#2326 of 2664 Bottom 12.7% in $100M-$1B

2257

Total Loans

size

Value: $89.01M

Peer Median: $255.72M

#2257 of 2664 Bottom 15.3% in $100M-$1B

2008

Efficiency Ratio

profitability

Value: 73.73%

Peer Median: 65.29%

#2008 of 2664 Bottom 24.7% in $100M-$1B