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Abbeville First Bank, SSB

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

Designations: ✓ Mutual

Abbeville, SC

2 branches across SC

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 27 in SC.
  • Deposits +4.0% year over year ($114.4M on the books).
  • Delinquency rate 0.82%.
  • Return on assets 0.84%.
  • Efficiency ratio 74.23% vs a 64.48% peer average.
  • Loan-to-deposit ratio 79.05% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 27 in SC
View $100M-$1B leaderboard (SC) →

Abbeville First Bank, SSB has 1 strength but faces 5 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 0.10% below tier average

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 28.0% in tier
  • - Credit Quality Pressure: Bottom 45.1% in tier
  • - Capital Thin: Bottom 46.1% in tier
  • - Cost Spiral: Bottom 72.5% in tier
  • - Net Interest Margin 0.21% below tier average
Get updates when Abbeville First Bank, SSB releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
Total Assets ? $138.8M
+4.8% YoY +0.8% QoQ
-$247.8M $386.6M
+1.2% YoY
$1.5B
+5.6% YoY
$6.3B
+7.7% YoY
Bottom 10.9% in tier
Total Loans ? $90.4M
+11.7% YoY +1.6% QoQ
-$167.9M $258.3M
+1.7% YoY
$1.0B
+7.6% YoY
$3.2B
+9.4% YoY
15%
Total Deposits ? $114.4M
+4.0% YoY +0.8% QoQ
-$212.4M $326.7M
+0.7% YoY
$1.3B
+2.8% YoY
$4.9B
+7.3% YoY
Bottom 10.1% in tier
Return on Assets ? 0.84%
-10.9% YoY -0.5% QoQ
-0.49% 1.32%
+10.8% YoY
1.14%
+28.2% YoY
1.30%
+12.1% YoY
25%
Net Interest Margin ? 3.78%
+4.1% YoY +1.6% QoQ
-0.21% 3.99%
+5.0% YoY
3.68%
+4.4% YoY
3.95%
+4.9% YoY
41%
Efficiency Ratio ? 74.23%
+8.6% YoY +0.7% QoQ
+9.75% 64.48%
-3.2% YoY
67.24%
-4.2% YoY
70.05%
+2.5% YoY
22%
Delinquency Rate ? 0.82%
+34.8% YoY +35.6% QoQ
-0.10% 0.92%
+15.7% YoY
0.46%
-16.5% YoY
0.98%
+16.3% YoY
33%
Loan-to-Deposit Ratio ? 79.05%
+7.4% YoY +0.7% QoQ
+1.09% 77.95%
+1.0% YoY
74.60%
+2.0% YoY
79.03%
+2.3% YoY
51%
Non-Interest-Bearing Deposit Share ? 21.79%
-11.6% YoY -2.3% QoQ
-0.24% 22.03%
-0.6% YoY
21.25%
-0.8% YoY
21.98%
-0.6% YoY
54%
Nonperforming Asset Ratio ? 0.53%
+43.8% YoY +36.6% QoQ
-0.13% 0.67%
+16.4% YoY
0.29%
-15.5% YoY
0.69%
+15.8% YoY
38%
Tier 1 Capital Ratio ? 10.38%
+5.0% YoY +1.4% QoQ
-5.53% 15.91%
+1.4% YoY
17.16%
+0.2% YoY
17.09%
+0.8% YoY
15%
Non-Interest Income / Assets ? 0.14%
-8.8% YoY +91.5% QoQ
-0.43% 0.57%
+7.6% YoY
0.29%
+23.1% YoY
0.66%
+5.2% YoY
31%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
Noninterest-Bearing 21.8%
-2.8pp YoY
-0.5pp QoQ
 -0.4pp 22.1% 21.7% 22.2% 53%
Brokered Deposits 6.0%
+1.9pp YoY
+1.6pp QoQ
 -1.9pp 7.9% 10.6% 8.5% 58%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
C&I 3.0%
-0.1pp YoY
+0.2pp QoQ
 -8.5pp 11.6% 9.8% 12.5% 10%
CRE 19.0%
0.0pp YoY
-2.0pp QoQ
 -20.5pp 39.5% 43.3% 41.4% 16%
1-4 Family 72.5%
+1.6pp YoY
+2.2pp QoQ
 +39.9pp 32.6% 44.4% 31.3% 95%
Consumer 1.9%
-0.6pp YoY
-0.3pp QoQ
 -2.2pp 4.1% 4.5% 5.0% 46%

Capital

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 18.1% 19.7% n/a
Leverage Ratio 10.4%
+0.5pp YoY
+0.1pp QoQ
 -1.8pp 12.2% 12.3% 12.6% 39%
Total Capital Ratio n/a n/a 19.9% 19.1% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
Full-Time Employees 19
+1 (+5.6%) YoY
-1 (-5.0%) QoQ
 -40 58 174 482 9%
Assets per Employee ($) $7.3M
-0.7% YoY
+6.1% QoQ
 -$214K $7.5M $7.8M $8.8M 58%
Branch Count 2
0 YoY
0 QoQ
 -3 4 12 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
Past Due 90+ Days 0.0%
-0.2pp YoY
 -0.3pp 0.3% 0.0% 0.4% 26%
Nonaccrual 0.8%
+0.4pp YoY
+0.2pp QoQ
 -0.1pp 0.9% 0.5% 1.0% 66%
Allowance Coverage 1.05x
-32.2% YoY
-25.6% QoQ
 -23.10x 24.15x 15.59x 20.23x 28%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
-0.1pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 60%

Profitability

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
ROE 9.7%
-2.1pp YoY
-0.2pp QoQ
 -2.5pp 12.2% 11.7% 11.6% 35%
Cost of Funds (YTD) 1.5%
0.0pp YoY
0.0pp QoQ
 -0.2pp 1.7% 1.6% 1.7% 39%
Net Income ($, YTD) $577,000
-6.5% YoY
— QoQ
 -$2.0M $2.6M $9.6M $40.4M 13%

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)

Margin Compression

decline
#87 of 307 • Bottom 28.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 0.84%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ

Credit Quality Pressure

risk
#567 of 1256 • Bottom 45.1% in tier

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

Why this signature
Delinquency Rate: 0.82%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

Capital Thin

risk
#306 of 661 • Bottom 46.1% 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: 10.38%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Cost Spiral

risk
#101 of 138 • Bottom 72.5% 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: 74.23%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
138 of 138 Community banks match · 184 nationally
→ Stable +9 banks QoQ | QoQ rank declining

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (5 metrics)

2378
Total Deposits
size
Value: $114.37M
Peer Median: $326.73M
#2378 of 2643 Bottom 10.1% in $100M-$1B
2355
Total Assets
size
Value: $138.79M
Peer Median: $386.57M
#2355 of 2643 Bottom 10.9% in $100M-$1B
2247
Total Loans
size
Value: $90.41M
Peer Median: $258.35M
#2247 of 2643 Bottom 15.0% in $100M-$1B
2241
Tier 1 Capital Ratio
capital
Value: 10.38%
Peer Median: 15.91%
#2241 of 2643 Bottom 15.2% in $100M-$1B
2072
Efficiency Ratio
profitability
Value: 74.23%
Peer Median: 64.48%
#2072 of 2643 Bottom 21.6% in $100M-$1B
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