Abbeville First Bank, SSB: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 72.95 percentage points in Q2 2026, from 141.64% to 68.69%. It was the largest change from Q1 2026 among the key lines here. Within South Carolina, Abbeville First Bank, SSB is 31st of 44 on return on assets, 0.82% as of Q2 2026, below the middle of the field. Abbeville First Bank, SSB reported 0.82% on return on assets for Q2 2026, 0.43 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.38% |
| Equity capital to assets | 8.88% |
| Tangible equity to tangible assets | 8.88% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.25% |
| Non-performing assets ratio | 0.82% |
| Net charge-off ratio | -0.03% |
| Texas ratio | 8.82% |
| Allowance for credit losses to loans | 0.86% |
| Reserve coverage of non-performing loans | 68.69% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.82% |
| Return on equity | 9.58% |
| Net interest margin | 3.84% |
| Efficiency ratio | 72.59% |
| Yield on earning assets | 5.33% |
| Cost of funds | 1.61% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.73% |
| Core deposits to total deposits | 88.17% |
| Brokered deposits to total deposits | 5.98% |
| Deposits to assets | 82.41% |
| Securities to assets | 23.14% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.46% | 0.66% | 3.16% | 1.43% | 0.01% |
| Q4 2023 | 9.69% | 1.01% | 3.20% | 1.39% | 0.02% |
| Q1 2024 | 9.32% | 0.77% | 3.17% | 1.30% | -0.01% |
| Q2 2024 | 9.65% | 0.86% | 3.29% | 1.29% | 0.01% |
| Q3 2024 | 9.81% | 0.85% | 3.33% | 1.22% | 0.03% |
| Q4 2024 | 10.01% | 0.94% | 3.52% | 1.12% | -0.04% |
| Q1 2025 | 9.72% | 0.88% | 3.39% | 1.04% | 0.01% |
| Q2 2025 | 9.88% | 0.94% | 3.60% | 1.00% | -0.00% |
| Q3 2025 | 10.17% | 0.89% | 3.63% | 0.94% | 0.11% |
| Q4 2025 | 10.29% | 0.61% | 3.82% | 1.19% | 0.01% |
| Q1 2026 | 10.24% | 0.83% | 3.73% | 0.60% | 0.09% |
| Q2 2026 | 10.38% | 0.82% | 3.84% | 1.25% | -0.03% |
Abbeville First Bank, SSB vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Abbeville First Bank, SSB, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Abbeville First Bank, SSB profile, peer group comparison, or how this data updates.
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