Bank Safety Analysis
Is Anderson Brothers Bank Safe? Mullins, South Carolina
Based on its Q3 2026 call report, Anderson Brothers Bank meets every capital ratio test for well capitalized, its Texas ratio is 5.10%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is Anderson Brothers Bank safe?
On its Q3 2026 call report, Anderson Brothers Bank's CET1 ratio is 11.24%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q3 2026): 11.24%
- Tier 1 leverage ratio (Q3 2026): 9.22%
- Texas ratio (Q3 2026): 5.10%
- Noncurrent loans ratio (Q3 2026): 0.61%
Anderson Brothers Bank is an FDIC-insured commercial bank (FDIC Certificate #9923). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report Anderson Brothers Bank (FDIC Certificate #9923) filed for the quarter ended September 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
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Anderson Brothers Bank passes all 5 scorecard dimensions, but not every risk screen below is clear. 1 risk screen is flagged: commercial real estate to capital.
The biggest quarter-over-quarter change on this page was a small one: net interest margin edged down 0.07 percentage points between Q2 2026 and Q3 2026, to 5.98%. Anderson Brothers Bank has the 2nd lowest CET1 ratio of the 29 banks headquartered in South Carolina, at 11.24% as of Q3 2026. The median for banks in the $1B-10B asset tier is 13.60% on CET1 ratio. Anderson Brothers Bank sits 2.36 points lower, at 11.24% (Q3 2026).
From Q4 2023 to Q3 2026, Anderson Brothers Bank's CET1 ratio ranged between 11.20% (Q2 2025) and 11.61% (Q3 2024) and its Texas ratio ranged between 4.16% (Q3 2025) and 5.37% (Q4 2025). Between Q3 2025 and Q3 2026, Anderson Brothers Bank's CET1 ratio fell from 11.26% to 11.24%, nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 0.51% to 0.61%, Texas ratio rose from 4.16% to 5.10% and return on assets fell from 1.60% to 1.52%.
By total assets at Q3 2026, Anderson Brothers Bank is the 3rd largest of the 43 banks headquartered in South Carolina. Auto loans are its largest loan category, $391.4M of $1.93B in total loans on its September 30, 2026 call report. Against the 941 banks with $1B to $10B in assets for Q3 2026, Anderson Brothers Bank's CET1 ratio of 11.24% is below the 13.60% median, Tier 1 leverage ratio of 9.22% is below the 10.54% median, nonperforming loans ratio of 0.61% is above the 0.54% median, Texas ratio of 5.10% is above the 3.95% median, and efficiency ratio of 58.62% is above the 58.15% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
Anderson Brothers Bank's 12-month failure risk score is <0.01 out of 100, on the model's 1-year horizon. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. How the failure model was trained and tested.
How does Anderson Brothers Bank score on capital, credit and costs?
Peer cohort: $1B to $10B (896 banks) · Industry averages as of Q3 2026.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 13.60%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 10.54%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 0.54%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 3.95%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 58.15%.
Does Anderson Brothers Bank trip any risk screens?
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | 11.24% | Within range |
| Texas ratio BankRegReports band | 5.10% | Within range |
| Nonperforming loan ratio BankRegReports band | 0.61% | Within range |
| Uninsured deposit share BankRegReports band | 13.99% | Within range |
| Loan-to-deposit ratio BankRegReports band | 87.46% | Within range |
| Commercial real estate to capital BankRegReports band | 260.75% | Flagged |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q3 2026 | 11.24% |
| Q2 2026 | 11.24% |
| Q1 2026 | 11.47% |
| Q4 2025 | 11.25% |
| Q3 2025 | 11.26% |
| Q2 2025 | 11.20% |
| Q1 2025 | 11.22% |
| Q4 2024 | 11.41% |
| Q3 2024 | 11.61% |
| Q2 2024 | 11.52% |
| Q1 2024 | 11.33% |
| Q4 2023 | 11.50% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q3 2026 | 5.10% |
| Q2 2026 | 5.29% |
| Q1 2026 | 5.34% |
| Q4 2025 | 5.37% |
| Q3 2025 | 4.16% |
| Q2 2025 | 4.52% |
| Q1 2025 | 5.25% |
| Q4 2024 | 4.75% |
| Q3 2024 | 4.53% |
| Q2 2024 | 4.25% |
| Q1 2024 | 5.09% |
| Q4 2023 | 5.23% |
Loans by type, Q3 2026
- Auto loans: $391.4M
- 1-4 family residential loans: $376.9M
- Construction and land development loans: $372.3M
- Owner-occupied commercial real estate loans: $286.7M
- Non-owner-occupied commercial real estate loans: $195.9M
- Commercial and industrial loans: $118.2M
- Other consumer loans: $93.2M
- Multifamily loans: $85.5M
How have Anderson Brothers Bank's safety ratios changed?
| Quarter end | Total assets | CET1 | Leverage | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|---|
| Sep 30, 2026 | $2.44B | 11.24% | 9.22% | 0.61% | 5.10% | 58.62% |
| Jun 30, 2026 | $2.38B | 11.24% | 9.29% | 0.59% | 5.29% | 58.71% |
| Mar 31, 2026 | $2.28B | 11.47% | 9.37% | 0.60% | 5.34% | 59.59% |
| Dec 31, 2025 | $2.21B | 11.25% | 9.34% | 0.60% | 5.37% | 62.16% |
| Sep 30, 2025 | $2.19B | 11.26% | 9.08% | 0.51% | 4.16% | 57.02% |
| Jun 30, 2025 | $2.18B | 11.20% | 9.04% | 0.55% | 4.52% | 59.37% |
| Mar 31, 2025 | $2.07B | 11.22% | 9.16% | 0.65% | 5.25% | 59.64% |
| Dec 31, 2024 | $1.97B | 11.41% | 9.08% | 0.57% | 4.75% | 59.63% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Anderson Brothers Bank FDIC insured?
Yes. Anderson Brothers Bank is an FDIC-insured commercial bank (FDIC Certificate #9923). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is Anderson Brothers Bank well capitalized?
On its Q3 2026 call report, Anderson Brothers Bank's CET1 ratio is 11.24%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the FDIC, applies.
What are Anderson Brothers Bank's key safety ratios?
For Q3 2026, Anderson Brothers Bank reports CET1 11.24%, leverage 9.22%, Texas ratio 5.10%, noncurrent loans 0.61%. Its Texas ratio compares with the 3.95% median for the 941 banks with $1B to $10B in assets.
What happens to my deposits if Anderson Brothers Bank fails?
For Q3 2026, Anderson Brothers Bank reported $2.21B in total deposits, 13.99% of them estimated as uninsured. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Where does this data come from?
Not investment advice. See the full Anderson Brothers Bank profile.
How we score this
Capital categories follow Prompt Corrective Action (12 CFR 324.403): well capitalized at a CET1 ratio of 6.5%, Tier 1 risk-based 8%, total risk-based 10% and Tier 1 leverage 5%; adequately capitalized at 4.5%, 6%, 8% and 4%. A community bank may elect the community bank leverage ratio instead.
Every ratio Anderson Brothers Bank is graded on is inside its pass band. Every ratio's definition, bands and risk screen.
Not a credit rating. Methodology.
Regulator records: FDIC BankFind (cert 9923) · FFIEC NIC profile (RSSD 6329)
Explore: Full Anderson Brothers Bank profile · Other banks in SC · Metric glossary · How the call report works
Ratio definitions: loan to deposit ratio, net interest margin, efficiency ratio, CET1 ratio, tier 1 capital and PPNR.