Abbeville First Bank, SSB
Abbeville, SC · Cert 30619 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
SI · FDIC · 2 branches
Q2 2026
$138.8MAssets
$91.2MLoans
$114.4MDeposits
$12.3MEquity
Executive Summary
- Strongest standing: return on equity outperforms 42% of banks under $1B in assets operating in a single state (rank 434 of 746).
- Widest gap: total risk-based capital ratio trails 89% of banks under $1B in assets operating in a single state (rank 662 of 746).
- Overall: at or above the peer median on 0 of 9 directional measures.
Return on Assets
0.83%
Rank 500 of 746
Net Interest Margin
3.53%
Rank 438 of 746
Efficiency Ratio
74.23%
Rank 544 of 746
Equity / Assets
8.88%
Rank 562 of 746
Non-interest income vs. expense
Unfavorable gap of $3.6M · efficiency ratio beats 27% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.83% | 0.72% | 1.06% | 1.45% | Beats 33% | 500 / 746 | | |
| Return on Equity | 9.36% | 6.74% | 10.51% | 13.63% | Beats 42% | 434 / 746 | | |
| Net Interest Margin | 3.53% | 3.17% | 3.68% | 4.16% | Beats 41% | 438 / 746 | | |
| Efficiency Ratio | 74.23% | 55.74% | 64.58% | 75.47% | Beats 27% | 544 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.81% | 0.09% | 0.42% | 1.07% | Beats 32% | 503 / 743 | | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.01% | 0.05% | Beats 32% | 503 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 10.38% | 11.55% | 13.75% | 17.60% | Beats 12% | 653 / 746 | | |
| Total Risk-Based Capital Ratio | 10.38% | 11.71% | 14.33% | 18.43% | Beats 11% | 662 / 746 | | |
| Equity / Assets | 8.88% | 8.90% | 10.51% | 13.06% | Beats 25% | 562 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 79.73% | 61.31% | 78.27% | 90.78% | 53rd pctl | 350 / 746 | | |
| Loans / Assets | 65.70% | 53.60% | 66.97% | 76.08% | 47th pctl | 399 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |