Loading bank profile
Data through Q3 2026 · 4,200 institutions
Regulatory profile
Abbeville, SC · FDIC certificate #30619
ABBEVILLE FIRST BANK SSB is an FDIC-insured institution based in Abbeville, SC (FDIC certificate #30619). In its Q3 2026 Call Report it reported total assets of $141M, total deposits of $118M and net loans of $91M. Its primary federal regulator is FDIC.
Plain-language readout
ABBEVILLE FIRST BANK SSB has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $141M in Q3 2026 and were lowest at $138M in Q1 2026.
Total deposits were highest at $118M in Q3 2026 and lowest at $113M in Q1 2026.
Over the whole period total assets rose 2.4%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $141M | $118M | $91M | 0.93% | 10.87% | 3.81% |
| Q2 2026 | $139M | $114M | $90M | 0.84% | 9.66% | 3.78% |
| Q1 2026 | $138M | $113M | $89M | 0.84% | 9.83% | 3.72% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $10.5M | $10.8M | -$270K | -2.5% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $32.1M | $32.3M | -$159K | -0.5% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $90.4M | $89.0M | +$1.4M | +1.6% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $719K | $741K | -$22K | -3.0% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $5.0M | $4.8M | +$197K | +4.1% |
| Total assets | $138.8M | $137.6M | +$1.1M | +0.8% |
| Liabilities | ||||
| Total deposits | $114.4M | $113.4M | +$935K | +0.8% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $11.2M | $11.7M | -$500K | -4.3% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $915K | $825K | +$90K | +10.9% |
| Total liabilities | $126.5M | $125.9M | +$525K | +0.4% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $0K | $0K | $0K | n/a |
| Surplus | $0K | $0K | $0K | n/a |
| Retained earnings | $14.6M | $14.3M | +$288K | +2.0% |
| Accumulated other comprehensive income | -$2.3M | -$2.6M | +$330K | +12.7% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $12.3M | $11.7M | +$618K | +5.3% |
| Credit and capital | ||||
| Gross nonperforming assets | $741K | $538K | +$203K | +37.7% |
| Adjusted nonperforming assets | $741K | $538K | +$203K | +37.7% |
| Tangible equity plus allowance | $13.1M | $12.5M | +$637K | +5.1% |
| Texas ratio (gross) | 5.65% | 4.31% | +1.34 pts | See points |
| Texas ratio (adjusted) | 5.65% | 4.31% | +1.34 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 8.82% | 4.31% | +4.50 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 10.38% | 10.24% | +0.14 pts | See points |
| Construction and land loans to total capital | 16.26% | 28.37% | -12.10 pts | See points |
| Commercial real estate to total capital | 44.94% | 57.60% | -12.67 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -19.86% | -22.74% | +2.88 pts | See points |
| Liquidity | ||||
| Core deposits | $98.8M | $97.7M | +$1.1M | +1.1% |
| Non-core funding | $26.7M | $27.4M | -$674K | -2.5% |
| Loans to core deposits | 92.27% | 91.87% | +0.40 pts | See points |
| Loans to deposits | 79.73% | 79.14% | +0.59 pts | See points |
| Brokered deposits share of deposits | 5.98% | 4.43% | +1.55 pts | See points |
| Pledged securities share of securities | 7.39% | 7.36% | +0.03 pts | See points |
| Loans pledged, share of loans | 42.23% | 63.66% | -21.43 pts | See points |
| Volatile liabilities | $26.7M | $27.4M | -$674K | -2.5% |
| Earnings | ||||
| Earnings before provision, year to date | $689K | $346K | +$343K | +99.1% |
| Earnings before provision, single quarter | $343K | $346K | -$3K | -0.9% |
| Provision for credit losses, year to date | $27K | $14K | +$13K | +92.9% |
| Yield and cost | ||||
| Yield on loans and leases | 6.03% | 6.04% | -0.00 pts | See points |
| Yield on interest-bearing balances due from banks | 3.80% | 3.21% | +0.58 pts | See points |
| Total interest income to average assets | 5.03% | 4.94% | +0.09 pts | See points |
| Cost of interest-bearing transaction accounts | 0.56% | 0.62% | -0.06 pts | See points |
| Cost of savings and money market deposits | 0.65% | 0.62% | +0.02 pts | See points |
| Cost of time deposits | 3.17% | 3.21% | -0.04 pts | See points |
| Total interest expense to average assets | 1.44% | 1.46% | -0.02 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $141M | $118M | $91M | 0.93% | 10.87% | 3.81% |
| 2026-06-30 | $139M | $114M | $90M | 0.84% | 9.66% | 3.78% |
| 2026-03-31 | $138M | $113M | $89M | 0.84% | 9.83% | 3.72% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| SC | $110M | 0.08% | 61 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.