Side-by-side · Q2 2026 data
Abbeville First Bank, SSB vs Spratt Savings Bank
Metric by metric
| Measure | Abbeville First Bank, SSB | Spratt Savings Bank |
|---|---|---|
| TellerScore | 64 | 82 (stronger) |
| Capital cushion | 54 | 100 (stronger) |
| Loan quality | 73 | 92 (stronger) |
| Earnings | 53 (stronger) | 27 |
| Funding & liquidity | 67 | 93 (stronger) |
| Problem-loan coverage | 89 | 99 (stronger) |
| Peer percentile | 26th | 82nd |
| Total assets | $138.8M | $154.4M |
| Deposits / shares | $114.4M | $123.0M |
| Capital ratio | 10.38% | 20.38% (stronger) |
| Problem loans | 0.81% | 0.23% (stronger) |
| Net charge-offs | 0.03% | 0.00% (stronger) |
| Return on assets | 0.84% (stronger) | 0.18% |
| Loans ÷ deposits | 79.0% | 38.5% (stronger) |
| Uninsured deposits | 27.7% | 21.5% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Spratt Savings Bank has the higher TellerScore (82 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Abbeville First Bank, SSB leads on 1 and Spratt Savings Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.