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Spratt Savings Bank Locations & Branches Chester, South Carolina
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Spratt Savings Bank operates 3 branches from its headquarters in Chester, SC, .
Spratt Savings Bank branch network
All 3 branches are in SOUTH CAROLINA, across 3 cities. Its largest office by deposits is its main office in Chester, SC, with $95.0M (77.2% of its branch deposits). On June 30, 2025 it had 2 branches, 1 fewer than in 2026.
Spratt Savings Bank at a glance
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.
- Total assets, Q2 2026
- $154.4M
- Tier 1 leverage ratio, Q2 2026
- 20.38%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1893
Full financial profile · Is Spratt Savings Bank safe? · Spratt Savings Bank call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Chester, SC (1 branch) | 2 of 3 | 28.0% | $95.0M |
| State: SC (3 branches) | 59 of 73 | <0.1% | $123.0M |
Ranked by total assets among banks headquartered in the state: Largest banks in South Carolina.
Share by county and metro area
Spratt Savings Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Chester, SC (3 branches) | 2 of 3 | 33.5% | $123.0M | $367.0M |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Charlotte-Concord-Gastonia, NC-SC (3 branches) | 32 of 47 | <0.1% | $123.0M | $432.53B |
| 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 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 30987) · FFIEC NIC profile (RSSD 746979)