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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southeast · South Carolina, the state note

Anderson Brothers Bank

Mullins, South Carolina · $2.38B in assets · beside the 11 other South Carolina banks between $1B and $3B

The filing

8.7%
Equity / assets
11th of 12
1.50%
ROA
2nd of 12
0.59%
NPA / loans
10th of 12

Anderson Brothers Bank is the third largest of the 12 South Carolina banks between $1B and $3B, with $2.38B in assets at 30 June 2026. Loans are 88.2% of deposits, 8th of 12 against a median of 80.5%, and equity is 8.7% of assets, 11th of 12. Loans grew +13.7% in the year, 3rd of 12, and deposits grew 7.4%; the cohort's median loan growth is +7.4%.

Noncurrent loans are 0.59% of the book, 10th of 12 against a median of 0.11%; 1.56% is 30 to 89 days past due, and the allowance covers them 2.7 times. Net charge-offs are 0.90% of loans, the highest in the cohort. Commercial real estate is 34.0% of loans, 5th of 12 against a median of 35.8%, and 268% of capital, below the 300% screen, with construction at 155% against the 100% screen. CRE has grown +77.1% over 36 months, past the guidance's 50% prong.

Return on assets is 1.50%, 2nd of 12 against a median of 1.20%, on an efficiency ratio of 59.2%, 7th of 12. Five years ago it was 2.03%. The question is which of these lines moves first over the next four quarters, and against which peer.

Return on assetsSC banks $1B to $3B · 30 June 2026 · higher is stronger, listed first
median 1.20% Bo Bank of Travelers Rest 1.58% AB Anderson Brothers Bank 1.50% CN Conway National Bank 1.43% FP First Palmetto Bank 1.36% CB Citizens Bank 1.23% FC First Community Bank 1.20% FR First Reliance Bank 1.20% CS Coastal States Bank 1.16% FC First Capital Bank 1.09% SA South Atlantic Bank 1.07% CC Coastal Carolina National Bank 1.04% SF Security Federal Bank 0.85%
Loans, year over yearSC banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +7.4% FC First Community Bank +25.1% FC First Capital Bank +22.0% AB Anderson Brothers Bank +13.7% CC Coastal Carolina National Bank +12.1% CS Coastal States Bank +11.1% SA South Atlantic Bank +7.6% CB Citizens Bank +7.1% Bo Bank of Travelers Rest +5.0% FR First Reliance Bank +4.9% FP First Palmetto Bank +4.4% CN Conway National Bank +3.6% SF Security Federal Bank -1.5%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 1 CBLR filer; owner-occupied excluded; bold marks a screen met
Anderson Brothers BankRankCohort median
Total CRE against capital, the 300% screen268%9th of 12252%
Construction against capital, the 100% screen155%12th of 1258%
Construction and land development, share of loans19.6%12th of 129.7%
Non-owner-occupied nonfarm nonresidential, share of loans10.0%1st of 1222.2%
Total CRE, the guidance definition, share of loans34.0%5th of 1235.8%
CRE growth over 36 months, the third prong+77.1%12th of 12+24.6%
Commercial real estate against capital, the 300% screenSC banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 252% CB Citizens Bank 102% CN Conway National Bank 129% Bo Bank of Travelers Rest 139% SF Security Federal Bank 142% FR First Reliance Bank 206% CS Coastal States Bank 238% CC Coastal Carolina National Bank 266% FP First Palmetto Bank 266% AB Anderson Brothers Bank 268% FC First Community Bank 316% SA South Atlantic Bank 334% FC First Capital Bank 342%
CRE growth over 36 months, the guidance's third prongSC banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median +24.6% CB Citizens Bank +3.8% SF Security Federal Bank +7.9% CS Coastal States Bank +11.8% FP First Palmetto Bank +18.3% CC Coastal Carolina National Bank +22.1% FR First Reliance Bank +22.2% CN Conway National Bank +27.0% Bo Bank of Travelers Rest +30.7% SA South Atlantic Bank +55.7% FC First Community Bank +63.2% FC First Capital Bank +73.6% AB Anderson Brothers Bank +77.1%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Coastal States Bank$2.42B1.2%58.8%0.95%0.01%1.0%93.9%10.8%
First Community Bank$2.38B1.2%63.7%0.05%0.00%1.2%78.3%9.9%
Anderson Brothers Bank$2.38B1.5%59.2%0.59%0.90%1.6%88.2%8.7%
Conway National Bank$2.00B1.4%47.9%0.02%0.05%1.1%51.9%9.8%
South Atlantic Bank$1.98B1.1%59.2%0.01%0.00%0.9%92.0%8.6%
Bank of Travelers Rest$1.60B1.6%59.0%0.12%0.10%1.3%64.8%9.2%
Security Federal Bank$1.54B0.9%70.4%0.85%0.06%2.0%50.8%9.8%
Coastal Carolina National Bank$1.35B1.0%59.2%0.00%0.00%1.1%80.8%9.1%
First Capital Bank$1.32B1.1%53.3%0.10%0.00%1.0%98.4%9.3%
Citizens Bank$1.14B1.2%64.1%0.18%0.05%1.3%63.3%10.7%
First Reliance Bank$1.13B1.2%66.4%0.07%0.00%1.1%91.0%10.1%
First Palmetto Bank$1.10B1.4%54.8%0.15%0.03%1.5%80.2%9.2%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Anderson Brothers BankCohort median
20212026Change20212026Change
Loans$957M$1.88B+97%$576M$955M+66%
Deposits$1.15B$2.13B+85%$1.03B$1.39B+36%
NPA / loans0.49%0.59%+0.10 pts0.29%0.11%-0.18 pts
Efficiency56.7%59.2%+2.5 pts65.6%59.2%-6.5 pts
ROA2.03%1.50%-0.53 pts1.05%1.20%+0.15 pts

This read was prepared for Anderson Brothers Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Anderson Brothers Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort SC banks $1B to $3B
Institution www.abbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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