SPRATT SAVINGS BANK

CHESTER, SC | Small | Est. Jan. 1, 1893, midnight | FDIC #30987 | RSSD #746979 | FDIC
Latest Report: 2025-12-31

SPRATT SAVINGS BANK is asn small FDIC-insured commercial bank headquartered in CHESTER, SC, established in Jan. 1, 1893, midnight. As of 2025-12-31, the bank reported total assets of $150M and total deposits of $119M. Profitability stands at 0.23% ROA and 1.13% ROE, with a net interest margin of 2.99%. The bank's CET1 capital ratio is 20.56%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.25% and a Texas Ratio of 0.37%. FDIC Certificate #30987.

Assets

$150M

Deposits

$119M

Loans

$48M

Equity

$31M

Profitability

Return on Assets (ROA) 0.23%
Return on Equity (ROE) 1.13%
Net Interest Margin (NIM) 2.99%
Yield on Assets 4.29%
Cost of Funds 1.50%

Asset Quality

NPL Ratio 0.25%
Net Charge-Off Ratio -0.01%
Texas Ratio 0.37%
NPA Ratio 0.08%
ACL / Loans 2.35%

Capital & Liquidity

CET1 Ratio 20.56%
Tier 1 Capital 20.56%
Total Capital Ratio 21.59%
Leverage Ratio 20.60%
Loan-to-Deposit 40.02%

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