Abbeville First Bank, SSB
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Data as of · sourced from FFIEC call reports. How we update
Abbeville First Bank, SSB is an FDIC-insured savings bank headquartered in Abbeville, SC, established in 1907 (FDIC certificate 30619), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $138.8M, up 4.8% from Q2 2025, the 37th largest of 43 banks headquartered in South Carolina. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.38% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 30619
- Headquarters
- Abbeville, SC
- Established
- 1907
- Total assets, Q2 2026
- $138.8M
- Assets vs Q2 2025
- +4.8%
- Tier 1 leverage ratio, Q2 2026
- 10.38%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 253271806
- Asset rank in state
- 37th of 43 in South Carolina
Little in Abbeville First Bank, SSB's latest call report stands out. It reported $139 million in assets at June 30, 2026, up 4.8% from a year earlier. On most measures it sits near the middle of the 2,660 banks with $100 million to $1 billion in assets.
Loans are outrunning deposits: over the year loans rose 11.6% and deposits rose 4.0%. Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.81% of loans from 0.60% a year earlier. Costs are the weak spot: it spends about 73 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, Abbeville First Bank, SSB reported a return on assets of 0.82%, a nonperforming-loan ratio of 0.81% and a Texas ratio of 5.65%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Abbeville First Bank, SSB is the 37th largest of the 43 banks headquartered in South Carolina. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.8% to $138.8M, loans rose 1.6% and deposits rose 0.8%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 71.9% of total loans, ahead of owner-occupied commercial real estate loans at 11.3%. The FDIC Summary of Deposits lists 2 offices for it, in Abbeville, SC and Calhoun Falls, SC; its Abbeville office books 88% of its branch deposits. On its Q2 2026 call report, Abbeville First Bank, SSB meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 205 S Main St, Abbeville, SC 29620
- County
- Abbeville
- Metro Area
- Greenwood, SC
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- —
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1907
- Former names
- Abbeville Savings and Loan, SSB (2001-2013)
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 19
- Domestic deposits
- $114.4M
- Allowance for credit losses
- $781K
- Net charge-offs (YTD)
- $14K
- Average total assets
- $140.6M
- Average total loans
- $90.9M
- Average interest-bearing deposits
- $89.2M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 30619
- Fed RSSD
- 416272
- Website
- www.abbevillefirst.com →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Abbeville First Bank, SSB reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Abbeville First Bank, SSB's total assets moved between a low of $121.2M (Q3 2023) and a high of $138.8M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$138.8M total assets against $132.5M; $126.5M total liabilities against $121.7M.
$90.4M net loans and leases against $80.9M; $114.4M total deposits against $110.0M.
$32.1M securities against $34.3M; $10.5M cash and balances due against $11.7M.
$1.8M total interest income against $1.7M; $505K total interest expense against $499K.
$1.3M net interest income against $1.2M.
$94K total noninterest income against $101K; $1.0M total noninterest expense against $863K.
$13K provision for credit losses against $13K.
$288K net income against $320K.
0.82% return on assets against 0.94%; 3.84% net interest margin against 3.60%.
10.38% tier 1 leverage ratio against 9.88%.
Inside the full Abbeville First Bank, SSB terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeAbbeville First Bank, SSB rankings
Its closest position to the top of a national ranking is 1,193 of 3,640, for Texas Ratio; its furthest is 2,916 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.61% (Q4 2025) to 0.94% (Q4 2024) and its net interest margin ran from 3.33% (Q3 2024) to 3.84% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.38% | 0.82% | 0.81% | 5.65% | 3.84% |
| Q1 2026 | 10.24% | 0.83% | 0.60% | 4.31% | 3.73% |
| Q4 2025 | 10.29% | 0.61% | 0.70% | 4.88% | 3.82% |
| Q3 2025 | 10.17% | 0.89% | 0.40% | 2.79% | 3.63% |
| Q2 2025 | 9.88% | 0.94% | 0.60% | 4.25% | 3.60% |
| Q1 2025 | 9.72% | 0.88% | 0.44% | 3.15% | 3.39% |
| Q4 2024 | 10.01% | 0.94% | 0.67% | 4.85% | 3.52% |
| Q3 2024 | 9.81% | 0.85% | 0.56% | 3.86% | 3.33% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Abbeville First Bank, SSB (main office) | Abbeville , SC | 29620 | $100.7M |
| Calhoun Falls Office | Calhoun Falls , SC | 29628 | $13.7M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC (former OTS))
- November 9, 1992, OCC (former OTS): Supervisory Agreement: Abbeville Savings and Loan Association
- Period: Most recent institution action November 9, 1992. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in SC, rank 61 of 73 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Abbeville First Bank, SSB
What are Abbeville First Bank, SSB's total assets?
As of the Q2 2026 filing, Abbeville First Bank, SSB reported total assets of $138.8 million in its FFIEC call report.
Where is Abbeville First Bank, SSB headquartered?
It is headquartered in Abbeville, SC, United States.
When was Abbeville First Bank, SSB founded?
It was established in 1907, per the FDIC institution directory.
Is Abbeville First Bank, SSB FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #30619). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Abbeville First Bank, SSB?
Abbeville First Bank, SSB's primary federal regulator is the FDIC.
How many branches does Abbeville First Bank, SSB operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Abbeville First Bank, SSB's Texas Ratio?
Its Texas Ratio is 5.65% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Abbeville First Bank, SSB previously called?
The charter now named Abbeville First Bank, SSB has also operated as Abbeville Savings and Loan, SSB (2001-2013), per FDIC structure-change records.
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