Total Assets
$137M
Total balance-sheet footings
FDIC Cert #30619 · Abbeville, South Carolina · Est. 1907
Abbeville First Bank, SSB - FDIC Bank Health Profile
A community-scale look at Abbeville First Bank, SSB's own numbers, pulled straight from its quarterly FDIC Call Report.
- $137M
- Total assets
- B
- Health grade · Good
- 0.85%
- Return on assets
- 10.3%
- Tier 1 capital
Data updated July 2026
The verdict
Abbeville First Bank, SSB earns a PlainBankData health grade of B (70/100), with well-capitalized at 10.29% Tier 1, 0.85% ROA, 70% efficiency ratio.
- #3,460
- largest of 4,313 FDIC banks by assets
- 20th
- percentile by asset size, nationally
- 10.29%
- Tier 1 ratio - above the 10% well-capitalized line
- 32nd
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Abbeville First Bank, SSB's 70/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Abbeville First Bank, SSB's composite health score
Tier 1 Capital Ratio (10.29%) 28/40
Return on Assets (ROA) (0.85%) 14/25
Texas Ratio (4.88%) 20/20
Efficiency Ratio (69.78%) 8/15
70 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$113M
Customer-funded liabilities
Net Loans
$87M
Outstanding loan book
Net Income
$1M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Abbeville First Bank, SSB ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Abbeville First Bank, SSB's score of 70/100 falls in the highlighted band.
Abbeville First Bank, SSB's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Abbeville First Bank, SSB's $137M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.29% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.29%
Texas Ratio
4.88%
Equity Capital
$12M
Profitability metrics
Return on Assets (ROA)
32nd percentile nationally
0.85%
Return on Equity (ROE)
10.25%
Efficiency Ratio
69.78%
What the numbers say about Abbeville First Bank, SSB
Abbeville First Bank, SSB is an FDIC-insured institution (Certificate #30619) headquartered in Abbeville, South Carolina, established in 1907. It holds $137M in total assets - 3,460th of 4,313 FDIC-insured banks, $113M in customer deposits, and $87M in net loans. Looking at capital strength, Tier 1 stands at 10.29%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 4.88%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of B (70/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
By assets, Abbeville First Bank, SSB ranks 37th of 43 banks based in South Carolina -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$7M
Interest Income
$424K
Non-Interest Income
$4M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Abbeville First Bank, SSB reports a Texas Ratio of 4.88% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
4.88% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in South Carolina by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Abbeville First Bank, SSB (FDIC Cert #30619) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in South Carolina
All South Carolina banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| United Community BankGreenville | $27.9B | A | 1.19% |
| Southern First BankGreenville | $4.4B | B | 0.75% |
| Coastal States BankHilton Head Island | $2.3B | A | 1.17% |
| Anderson Brothers BankMullins | $2.2B | A | 1.38% |
| First Community BankLexington | $2.1B | A | 1.07% |
| The Conway National BankConway | $1.9B | A | 1.23% |
| South Atlantic BankMyrtle Beach | $1.9B | B | 0.93% |
| Bank of Travelers RestTravelers Rest | $1.6B | A | 1.44% |
Frequently asked questions
What is Abbeville First Bank, SSB's health grade?▼
Abbeville First Bank, SSB receives a health grade of B (70/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Abbeville First Bank, SSB?▼
Abbeville First Bank, SSB holds $137M in total assets and $113M in deposits, ranking 3,460th of 4,313 FDIC-insured banks by asset size. It is headquartered in Abbeville, South Carolina.
Is my money safe at Abbeville First Bank, SSB?▼
Yes, deposits at Abbeville First Bank, SSB (Certificate #30619) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Abbeville First Bank, SSB's Tier 1 Capital Ratio?▼
Abbeville First Bank, SSB has a Tier 1 Capital Ratio of 10.29%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Abbeville First Bank, SSB?▼
Abbeville First Bank, SSB has a Texas Ratio of 4.88%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Abbeville First Bank, SSB?▼
Abbeville First Bank, SSB has an Efficiency Ratio of 69.78%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Abbeville First Bank, SSB's profile as a depositor or analyst.
- Abbeville First Bank, SSB's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Abbeville First Bank, SSB against other South Carolina banks before moving funds. South Carolina banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.