Advertisement
Spratt Savings Bank
Chester, SC · FDIC Certificate #30987 · Chartered 01/0
Total assets
$154.40M
Total deposits
$123.03M
Total equity
$30.97M
Net loans
$47.40M
Branches (offices)
3
Net income (YTD)
$136.00K
Rank: #3,274 of 4,213 U.S. banks by assets · #35 of 43 in South Carolina. Assets changed 4.3% and deposits 5.2% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.18% |
| Return on equity | 0.88% |
| Net interest margin (YTD) | 3.03% |
| Equity to assets | 20.06% |
| Tier 1 leverage ratio | 20.38% |
| Uninsured deposits (share of deposits) | 21.5% |
| Noncurrent loans (share of loans) | 0.23% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 38.5% |
| Real estate loans (share of loans) | 92.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $43.99M | 92.8% | |
| Commercial & industrial | $2.86M | 6.0% | |
| Consumer / individual | $496.00K | 1.0% | |
| Construction & development | $2.53M | 5.3% | |
| Agricultural | $360.00K | 0.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $154.47M | $124.82M | $14.00K | $29.44M |
| Jun 2023 | $148.61M | $118.34M | $382.00K | $30.01M |
| Jun 2024 | $145.90M | $115.14M | $79.00K | $30.38M |
| Jun 2025 | $148.00M | $116.99M | $166.00K | $30.67M |
| Jun 2026 | $154.40M | $123.03M | $136.00K | $30.97M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| South Carolina | $123.03M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $123.03M.
Similar-sized banks
The Bank Of Protection ($154.44M) · State Bank Of Fairmont ($154.22M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
Advertisement