Abbeville First Bank, SSB: how it compares with its peers
Against 8 SC banks with half to twice its assets, Abbeville First Bank, SSB's strongest measure in Q2 2026 is return on assets (0.84% vs. a 0.57% peer median). Its weakest relative measure is net interest margin (3.78% vs. 3.71%).
| Measure | Abbeville First Bank, SSB | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.84% | 0.57% | Top third Ahead of 75% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.78% | 3.71% | Middle third Ahead of 50% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 74.23% | 82.38% | Top third Ahead of 75% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.3M | $6.8M | Top third Ahead of 75% of peers |
| Loans to deposits Net loans and leases over total deposits. | 79.05% | 79.10% | Context |
What it means for lending operations
Its efficiency ratio of 74.23% is better than the 82.38% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Pickens Savings and Loan Association, FA Pickens, SC · $138M
- 1st Federal Savings Bank of SC, Inc. Walterboro, SC · $152M
- Spratt Savings Bank Chester, SC · $154M
- Bank of Greeleyville Greeleyville, SC · $160M
- Woodruff Federal Savings and Loan Association Woodruff, SC · $104M
- Dedicated Community Bank Darlington, SC · $101M
Questions about Abbeville First Bank, SSB
How big is Abbeville First Bank, SSB?
Abbeville First Bank, SSB, established in 1907, is headquartered in Abbeville, SC. It reported $139M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Abbeville First Bank, SSB's return on assets?
0.84% annualized in Q2 2026, against a 0.57% median for 8 SC banks with half to twice its assets, ahead of 75% of them.
What is Abbeville First Bank, SSB's efficiency ratio?
74.23% in Q2 2026: it spent about 74 cents in noninterest expense for each dollar of revenue. The peer median is 82.38%, and lower is better.
Is Abbeville First Bank, SSB growing its loans?
Net loans grew 11.7% over the year to Q2 2026, while deposits grew 4.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are SC banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every South Carolina bank ranked.