Spratt Savings Bank

BankChester, South Carolina
www.sprattsavingsbank.com

Total Assets

$150.3M

Total Deposits

$119.1M

Branches

2

Established

1893

TFS Health Grade

$
F

57.4 / 100

Poor financial health

How we grade

Spratt Savings Bank is a bank headquartered in Chester, South Carolina, established in 1893. With $150.3M in total assets and 2 branch locations, it has a TFS Financial Health Grade of F (57.4/100).

Capital & Safety

Tier 1 Capital Ratio
20.60%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.25%

Profitability

Return on Assets (ROA)
0.23%(1%)
Return on Equity (ROE)
1.12%(10%)
Net Interest Margin
2.86%
Efficiency Ratio
89.40%(60%)

Lending & Liquidity

Total Loans
$47.7M
Loan-to-Deposit Ratio
39.08%
Net Charge-Off Ratio
-0.01%

Growth

Asset Growth (YoY)
+5.49%
Deposit Growth (YoY)
+6.50%
Net Income
$342.0K

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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