Spratt Savings Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 3.11 percentage points lower than in Q1 2026, at 7.83%. On loan-to-deposit ratio, Spratt Savings Bank is 3rd from the bottom among 44 South Carolina banks, 39.43% (Q2 2026). Against a median of 80.84% for banks in the $100M-1B asset tier, Spratt Savings Bank reported 39.43% on loan-to-deposit ratio in Q2 2026, 41.41 points lower.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $48.5M |
| Net loans and leases | $47.4M |
| Loans held for sale | $0 |
| Loans to total assets | 31.42% |
| Loan-to-deposit ratio | 39.43% |
| Net loans to equity capital | 1.53% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 23.48% |
| Multifamily (5+ residential) | 9.69% |
| Commercial and industrial | 5.89% |
| Consumer | 1.02% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.65% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 22.48% |
| Construction concentration (Tier 1 capital + allowance) | 7.83% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.99% |
| Interest income on loans | $713K |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $43.0M | $115.3M | 28.00% | 9.11% | 1.02% |
| Q4 2023 | $44.2M | $116.1M | 26.56% | 8.78% | 1.07% |
| Q1 2024 | $45.2M | $115.6M | 27.01% | 8.33% | 1.01% |
| Q2 2024 | $46.2M | $115.1M | 27.51% | 7.28% | 1.06% |
| Q3 2024 | $47.3M | $113.8M | 26.99% | 7.56% | 0.90% |
| Q4 2024 | $46.9M | $111.8M | 26.80% | 6.44% | 0.94% |
| Q1 2025 | $49.6M | $113.7M | 26.48% | 6.41% | 0.81% |
| Q2 2025 | $49.2M | $117.0M | 25.36% | 6.37% | 0.89% |
| Q3 2025 | $48.4M | $118.8M | 23.98% | 6.52% | 0.94% |
| Q4 2025 | $47.7M | $119.1M | 22.07% | 6.54% | 0.92% |
| Q1 2026 | $46.9M | $119.0M | 22.42% | 5.80% | 1.11% |
| Q2 2026 | $48.5M | $123.0M | 23.48% | 5.89% | 1.02% |
Spratt Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Spratt Savings Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Spratt Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30987) · FFIEC NIC profile (RSSD 746979)