Spratt Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Spratt Savings Bank is an FDIC-insured savings and loan association headquartered in Chester, SC, established in 1893 (FDIC certificate 30987), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $154.4M, up 4.3% from Q2 2025, the 35th largest of 43 banks headquartered in South Carolina. It reports no CET1 ratio; its Tier 1 leverage ratio was 20.38% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings and loan association
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 30987
- Headquarters
- Chester, SC
- Established
- 1893
- Total assets, Q2 2026
- $154.4M
- Assets vs Q2 2025
- +4.3%
- Tier 1 leverage ratio, Q2 2026
- 20.38%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 253272009
- Latest call report
- Q2 2026, FFIEC 051 · Spratt Savings Bank call report
- Asset rank in state
- 35th of 43 in South Carolina
Spratt Savings Bank spends more to run itself than most banks of its size. The Chester, South Carolina bank had $154 million in assets at June 30, 2026, up 4.3% from a year earlier. It earns about $0.19 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 91 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Net income for the quarter slipped 30% from a year earlier, to $73,000. Over the same year, loans shrank 1.4% and deposits grew 5.2%. Its margin is thin by comparison: it keeps 3.06 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Spratt Savings Bank reported a return on assets of 0.19%, a nonperforming-loan ratio of 0.23% and a Texas ratio of 0.35%. The figures come from its call report filed with the FFIEC.
Spratt Savings Bank ranks as the 35th largest of the 43 banks based in South Carolina, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.7% to $154.4M, loans rose 3.5% and deposits rose 3.3%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 52.3% of total loans, followed by owner-occupied commercial real estate loans at 23.4%. Its 3 offices in the FDIC Summary of Deposits are in Chester, SC, Great Falls, SC and Richburg, SC; its Chester office books 77% of its branch deposits. By the capital ratios in its Q2 2026 call report, Spratt Savings Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1613 J A Cochran Byp, Chester, SC 29706
- County
- Chester
- Metro Area
- Charlotte-Concord-Gastonia, NC-SC
- Charter
- State-chartered stock savings and loan association, FDIC-supervised (pre-2011 OTS)
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- —
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1893
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 22
- Domestic deposits
- $123.0M
- Allowance for credit losses
- $1.1M
- Net charge-offs (YTD)
- $0
- Average total assets
- $153.0M
- Average total loans
- $47.6M
- Average interest-bearing deposits
- $107.3M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 30987
- Fed RSSD
- 746979
- Website
- www.sprattsavingsbank.com →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Spratt Savings Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Spratt Savings Bank's total assets moved between a low of $142.5M (Q4 2024) and a high of $154.4M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$154.4M total assets against $148.0M; $123.4M total liabilities against $117.3M.
$47.4M net loans and leases against $48.1M; $123.0M total deposits against $117.0M.
$82.7M securities against $77.0M; $15.9M cash and balances due against $16.7M.
$1.5M total interest income against $1.4M; $417K total interest expense against $458K.
$1.1M net interest income against $980K.
$55K total noninterest income against $60K; $1.1M total noninterest expense against $907K.
No provision recorded in the last 12 quarters.
$73K net income against $104K.
0.19% return on assets against 0.28%; 3.06% net interest margin against 2.82%.
20.38% tier 1 leverage ratio against 20.92%.
Inside the full Spratt Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Spratt Savings Bank rankings
Its closest position to the top of a national ranking is 3,261 of 4,196, for total assets; its furthest is 3,489 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.07% (Q4 2024) to 0.28% (Q2 2025) and its net interest margin ran from 2.43% (Q3 2024) to 3.06% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 20.38% | 0.19% | 0.23% | 0.35% | 3.06% |
| Q1 2026 | 20.29% | 0.16% | 0.25% | 0.36% | 2.92% |
| Q4 2025 | 20.60% | 0.23% | 0.25% | 0.37% | 2.92% |
| Q3 2025 | 20.77% | 0.24% | 0.25% | 0.38% | 2.92% |
| Q2 2025 | 20.92% | 0.28% | 0.28% | 0.44% | 2.82% |
| Q1 2025 | 21.31% | 0.17% | 0.29% | 0.45% | 2.70% |
| Q4 2024 | 21.23% | 0.07% | 0.31% | 0.46% | 2.58% |
| Q3 2024 | 21.06% | 0.09% | 0.32% | 0.47% | 2.43% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Spratt Savings Bank (main office) | Chester , SC | 29706 | $95.0M |
| Great Falls Branch | Great Falls , SC | 29055 | $27.5M |
| Richburg Branch | Richburg , SC | 29729 | $557K |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in SC, rank 59 of 73 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Spratt Savings Bank
What are Spratt Savings Bank's total assets?
As of the Q2 2026 filing, Spratt Savings Bank reported total assets of $154.4 million in its FFIEC call report.
Where is Spratt Savings Bank headquartered?
It is headquartered in Chester, SC, United States.
When was Spratt Savings Bank founded?
It was established in 1893, per the FDIC institution directory.
Is Spratt Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings and loan association (FDIC Certificate #30987). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Spratt Savings Bank?
Spratt Savings Bank's primary federal regulator is the FDIC.
How many branches does Spratt Savings Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Spratt Savings Bank's Texas Ratio?
Its Texas Ratio is 0.35% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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