# ANDERSON BROTHERS BANK
MULLINS, SC · FDIC certificate 9923 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 5 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $2.38B | |
| Deposits | $2.13B | |
| Loans and leases | $1.88B | |
| Total equity | $206.5M | |
| Loans / deposits | 86.76% (p49 of band) | 87.10% |
| Liquid assets / assets | 17.77% (p36 of band) | |
| Uninsured deposits / deposits | 14.70% (p9 of band) | 30.76% |
| Brokered deposits | 14.40% | |
| Wholesale funding | 15.24% (p80 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.29% (p19 of band) | 10.50% |
| Unrealized securities loss / equity | -8.21% (p48 of band) | -7.75% |
| AOCI / equity | -0.70% (p26 of band) | |
| ROA (annualized) | 1.52% (p70 of band) | 1.26% |
| Net interest margin | 6.12% (p98 of band) | 3.70% |
| Efficiency ratio | 59.18% (p51 of band) | |
| Noncurrent loans | 0.59% (p56 of band) | 0.51% |
| Net charge-offs (annualized) | 0.74% (p96 of band) | |
| Reserve coverage of noncurrent | 271.32% | |
| Real estate % of loans | 68% | |
| Construction % of loans | 178.78% (p99 of band) | |
| Auto loans | $395.4M (21.02% of loans; DQ 6.23%, NCO 0.59%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 7.4% | |
| Employees | 443 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **charge-offs p90** (`aq_nco`)
- **construction >100% equity** (`conc_construction`)
- **auto book souring** (`conc_auto`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | noncurrent p90, charge-offs p90, reserve under noncurrent, construction >100% equity, auto book souring |  |
| 2011-06 | 6 | losing money |  |
| 2011-09 | 7 | capital falling |  |
| 2011-12 | 6 |  | capital falling |
| 2012-03 | 7 | deposits shrinking, assets shrinking | losing money |
| 2012-06 | 3 |  | noncurrent p90, construction >100% equity, deposits shrinking, assets shrinking |
| 2012-09 | 3 |  |  |
| 2012-12 | 3 |  |  |
| 2013-03 | 4 | noncurrent p90 |  |
| 2013-06 | 4 |  |  |
| 2013-09 | 4 |  |  |
| 2013-12 | 4 |  |  |
| 2014-03 | 4 |  |  |
| 2014-06 | 4 |  |  |
| 2014-09 | 4 |  |  |
| 2014-12 | 4 | construction >100% equity | noncurrent p90 |
| 2015-03 | 4 | noncurrent p90 | construction >100% equity |
| 2015-06 | 3 |  | noncurrent p90 |
| 2015-09 | 3 |  |  |
| 2015-12 | 4 | noncurrent p90 |  |
| 2016-03 | 3 | construction >100% equity | reserve under noncurrent, noncurrent p90 |
| 2016-06 | 2 |  | construction >100% equity |
| 2016-09 | 3 | construction >100% equity |  |
| 2016-12 | 4 | capital falling |  |
| 2017-03 | 4 |  |  |
| 2017-06 | 4 |  |  |
| 2017-09 | 3 |  | capital falling |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 4 | capital falling |  |
| 2018-12 | 4 | liquid assets <10% | capital falling |
| 2019-03 | 3 |  | liquid assets <10% |
| 2019-06 | 3 |  |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 3 |  |  |
| 2020-06 | 3 |  |  |
| 2020-09 | 4 | capital falling |  |
| 2020-12 | 3 |  | capital falling |
| 2021-03 | 3 |  |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 4 | uninsured deposits leaving |  |
| 2022-06 | 4 |  |  |
| 2022-09 | 4 |  |  |
| 2022-12 | 4 |  |  |
| 2023-03 | 3 |  | uninsured deposits leaving |
| 2023-06 | 4 | capital falling |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 3 |  | capital falling |
| 2024-03 | 4 | brokered >10% |  |
| 2024-06 | 4 | capital falling | brokered >10% |
| 2024-09 | 4 | brokered >10% | capital falling |
| 2024-12 | 4 |  |  |
| 2025-03 | 4 |  |  |
| 2025-06 | 5 | uninsured deposits leaving |  |
| 2025-09 | 4 |  | uninsured deposits leaving |
| 2025-12 | 4 |  |  |
| 2026-03 | 4 |  |  |
| 2026-06 | 5 | wholesale funding >15% |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-14 [Anderson Brothers Bank Selects Creatio to Support Rapid Organic Growth - citybiz](https://news.google.com/rss/articles/CBMirgFBVV95cUxPSzJkV3g0T3IxWlVTZXVHenVCUFZNZFNRZWRKQS1TWUFLdzBJaUdCdTV4Z1VENWNDWTRkeXUxbXNDOEl2cnZ3WFhDRFVSVmJWeFhnT2NlM3hLbWdSaHllQWFQZHpfWnJBMjNxcjJkWjB5dlo4cjlOVnlmdVlVeG9BNzhMSlJZeW5MT180NHVYcjRCRXZMNVJrOXBfcXJkUXk1YTZVR3ZSZjVJc002aUE?oc=5) · citybiz
- 2025-12-27 [Marquis data breach affects nearly 85K SC residents - FOX Carolina News](https://news.google.com/rss/articles/CBMilgFBVV95cUxPRzlMZkQtMlJNRF9UdG5RenBFa2lxRkRya2RONWpHMmhoelAwTG82Y2YwZ2k3YUstUzBWMWtEZktDa3dMSF9Nb2xWWUxibjhTM1VmZGtoQnp2NmhGVkpfanIzOVZBRUZBT0E5UzZvcVBJRXZOUDhFSVNLakdBU3FhY3IyUDQyd3AwSmNwNGJaS3NMQ1NRTmfSAaoBQVVfeXFMTThHc0ZSSGljRW42cWpyaEI2cUhrc2RoUnpIYldmMnY0NmdoQmpidzh0OWVUYzlCMF9rZ0swRUl1clVVc1NNd3lwcXU3MTQ2ZmtYLWpxSXlsOEs3YV94UVljWVRhSGJwQXZ3UXd4UnlfUUh4U3R1VzBfUGt5ZXBQalZiOTdPNURQNlhHVTZ6V1BvNkQ0XzJEV3F0T2t1TnF5UlJxM2dBMUFXOGc?oc=5) · FOX Carolina News
- 2020-09-28 [Women in Business - Anderson Brothers Bank - Grand Strand Magazine](https://news.google.com/rss/articles/CBMigAFBVV95cUxOQ3FtTVlGaVRPSng0dFBLWnZrckU3dERNVGxFTmV4Ry1MVExldlZPRXkyN0g5aW1MSUlOZFJUVnhUTGlkTThlZFY4S2YxVmQtS2p2eWZkYlFEYnFhb2FKMXdoQnJtY0RlR3RQY1o0VThfVE5DcE83cEVTQzVCZXFacw?oc=5) · Grand Strand Magazine
- 2020-08-20 [Moneymaker joins Anderson Brothers Bank - Post and Courier](https://news.google.com/rss/articles/CBMi4wFBVV95cUxQdWhpTnlnN3hTX3FkTDBNUHV6ODdSblBwVi05eFVPZW9FVlJTeTZ0T3NIRTFSMnlxVURpT2tiSmx3eVVXTUVoUmgzRzF0UExheUhrcjI5VlVEeEZLcThBUXNDd3lNOUpmRFFmY1F3NlB6cHdjTU81dm9PVzJVOEFiUFZCbll2TGlhSm9QcEg3Rl9Sc0lyaFFTV2pNeWxkLWVzX2l3bGlQdjNrYWUyZGJjWDFnUG92RmtMMDU3N003RkJLeVZwaF9jRnBZX1JZaHpFbDVRMktYTThvWHhDcVBybjllWQ?oc=5) · Post and Courier
- 2025-05-16 [Anderson Brothers Bank (SC) Review | Review, Fees, Offerings - SmartAsset](https://news.google.com/rss/articles/CBMiigFBVV95cUxNNjZuZnc0Y00zaF9oOFN1dGUtZFptUGhrTUZzWmZLVGpWcDJHN2FpcXJWOTlKZG8xb1pLdXFlR2NaUnZablpLMC1seXB4RlNJaHFUaXZfbzRfZGlMSjRnVnpuVE1scXZzMGFwdWVFbWJfVDhPbXl6WlZIb3BBQ1pFLU5Pdlc0YnJpNmc?oc=5) · SmartAsset
- 2023-01-26 [Anderson Brothers Bank names new customer service representative - Manning Live](https://news.google.com/rss/articles/CBMipAFBVV95cUxOVXhYSlZrNGtlcEE3Y21xTzFERktNdnFxOTFQWEI3R3ZKeHJOcVR6OTBsM2JEbTJCeDhlUGcxU281dEdRTkt5di0xOGFzUWxBbkdDekFFU25WM0FnVWZTRHljTWxpQU9GdThqZjJDMTJIbFFfcDRFdXZtanVnNmtCM1ZRVGZ0MmlMRDlEczBCQ2tlMEo4NE90ay1oTHQzY2VaUllqVg?oc=5) · Manning Live
- 2023-07-10 [Timmonsville man arrested for alleged armed robbery at Anderson Brothers Bank in Florence - WPDE](https://news.google.com/rss/articles/CBMilAFBVV95cUxNTE5URzlBYmNya1pxbzd5VW1tVXdoVXR3ZkU5aW9yTkhkNVdhMkpacnBQTDBIUTlQTzlkcXEtTzFYX3MzV0FlcTFJV0xxcW5uT2RBdGlSeHNmUk1oZzJocjI4TFdELUZmSzdQdTlKTGlVbEdQWjBOVjM0U1dGZks0VWtRSUNhbUdGTHIxdjhzek1idHpi?oc=5) · WPDE
- 2021-09-23 [Florence police identify suspect in Anderson Brothers bank robbery - WBTW](https://news.google.com/rss/articles/CBMimgFBVV95cUxNVGlhM3ExeUJwUmZjeFRPS1dfQm1tZHZPVXg1Ykk5N19mNmlFeHFfa2RHNHVlUFZmc0lhelo3Rm1lb1RDS1pzcDh5VUpMcEluUjhHVmZKMUlOWndEWGZ4Yk9aOFBwcmEwQnBjWF82TkdNY1JXcF9vWTIxUV8xWjVHYlJWRVJGN0Z4RkcxU2E1VkpSX1gzOUp1MndB0gGfAUFVX3lxTE9oY2p1ODBKVXY1X1dYQW5JeTNFZ09XbWs2NUFqMHJfSXBKTUo0TG56M2R5S2tRWnlFeFBJU19MWktsd3pLYzZJX3FLN2dydEV1VmdvcEN0a2VuMDFlMGI5SGZsanhEWU9FNlM5aDJyeU9GMGtkd0ZKN3hHYm54VzlnV1N4eV8wVG9UOTR4TFF5RlhTYlFHeUh6TEg2RE9Maw?oc=5) · WBTW

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9923 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/3.json (key "9923", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide