Total Assets
$150M
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
Spratt Savings Bank — FDIC Bank Health Profile
Chester, South Carolina · Est. 1893. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
State chartered Savings & loan association FDIC Cert #30987 Atlanta Region
F
Health grade
At Risk
Score: 7/100
Basel III capital ratios — Spratt Savings Bank
Total Deposits
$119M
Customer-funded liabilities
Net Loans
$47M
Outstanding loan book
Net Income
$342K
Bottom-line earnings
Safety Metrics
Tier 1 capital ratio
Well-capitalized 10%
0.00% of risk-weighted assets — below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
0.00%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$31M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
0.23%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
1.12%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
89.40%
Income & Expense Breakdown
$6M
Interest Income
$234K
Non-Interest Income
$4M
Non-Interest Expense
FDIC Deposit Insurance
Spratt Savings Bank is FDIC-insured (Certificate #30987). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
What the Numbers Say About Spratt Savings Bank
Spratt Savings Bank is an FDIC-insured institution (Certificate #30987) headquartered in Chester, South Carolina, established in 1893. The bank currently holds $150M in total assets and $119M in customer deposits, with $47M deployed as loans. It operates as a State chartered (Savings & loan association) within the FDIC Atlanta region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, Spratt Savings Bank reports a Tier 1 Capital Ratio of 0.00% — below the 6% "adequately capitalized" minimum set by federal regulators and a Texas Ratio of —. Equity capital stands at $31M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 0.23% and a Return on Equity of 1.12%, with an Efficiency Ratio of 89.40% — above the 60% benchmark, meaning a larger share of revenue is consumed by operating costs. The combined picture yields a PlainBankData health grade of F (7/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at Spratt Savings Bank is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in South Carolina by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data Spratt Savings Bank (FDIC Cert #30987) — Tier 1 capital ratio, total assets, deposits, CRA rating · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other Banks in South Carolina
All South Carolina banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| United Community Bank Greenville | $27.9B | B | 1.19% |
| Southern First Bank Greenville | $4.4B | C | 0.75% |
| Coastal States Bank Hilton Head Island | $2.3B | B | 1.17% |
| Anderson Brothers Bank Mullins | $2.2B | C | 1.38% |
| First Community Bank Lexington | $2.1B | C | 1.07% |
| The Conway National Bank Conway | $1.9B | B | 1.23% |
| South Atlantic Bank Myrtle Beach | $1.9B | C | 0.93% |
| Bank of Travelers Rest Travelers Rest | $1.6B | B | 1.44% |
Frequently Asked Questions
What is Spratt Savings Bank's health grade? ▼
Spratt Savings Bank receives a health grade of F (7/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank has significant financial challenges. All deposits remain FDIC-insured up to $250,000.
How large is Spratt Savings Bank? ▼
Spratt Savings Bank holds $150M in total assets and $119M in deposits. It is headquartered in Chester, South Carolina.
Is my money safe at Spratt Savings Bank? ▼
Yes. Spratt Savings Bank is FDIC-insured (Certificate #30987). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is Spratt Savings Bank's Tier 1 Capital Ratio? ▼
Spratt Savings Bank has a Tier 1 Capital Ratio of 0.00%. The federal "well-capitalized" threshold is 10%. This bank is below the 6% minimum for "adequately capitalized" status.
How efficient is Spratt Savings Bank? ▼
Spratt Savings Bank has an Efficiency Ratio of 89.40%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.