Spratt Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Spratt Savings Bank of Chester, SC against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.19% | 1.35% | -1.16% | 6th bottom |
| ROAE | 0.94% | 12.06% | -11.12% | 6th bottom |
| Net Interest Margin | 3.06% | 3.90% | -0.84% | 11th bottom |
| Efficiency Ratio | 91.29% | 63.14% | +28.15% | 5th bottom |
| PPNR / Avg Assets | 0.24% | 1.64% | -1.40% | 5th bottom |
| Yield on Earning Assets | 4.22% | 5.65% | -1.43% | 4th bottom |
| Cost of Funds | 1.38% | 1.85% | -0.47% | 76th top |
| Net Interest Spread | 2.67% | 3.35% | -0.68% | 20th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.26% | 0.92% | -0.66% | 60th above |
| NPA / Total Assets | 0.08% | 0.67% | -0.59% | 72nd above |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 2.30% | 1.28% | +1.02% | 96th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 880.31% | 1645.46% | -765.15% | 81st top |
| Texas Ratio | 0.40% | 7.15% | -6.75% | 82nd top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 20.38% | 12.46% | +7.92% | 96th top |
| Equity / Assets | 20.06% | 11.67% | +8.39% | 96th top |
| TCE / Tangible Assets | 20.06% | 11.40% | +8.66% | 96th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 39.43% | 78.66% | -39.23% | 96th top |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.60% | 87.09% | +0.51% | 42nd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.33% | 6.47% | -2.14% | 49th below |
| Loan Growth (Y/Y) | -1.41% | 7.64% | -9.05% | 17th bottom |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.17% | 6.02% | -0.85% | 59th above |
See Spratt Savings Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Spratt Savings Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Spratt Savings Bank profile, how to read a UBPR, or how this data updates.