FDIC Cert #30987 · Chester, South Carolina · Est. 1893

Spratt Savings Bank - FDIC Bank Health Profile

A community-scale look at Spratt Savings Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$150M
Total assets
B
Health grade · Good
0.23%
Return on assets
20.6%
Tier 1 capital

Data updated July 2026

The verdict

Spratt Savings Bank earns a PlainBankData health grade of B (67/100), with well-capitalized at 20.60% Tier 1, 0.23% ROA, 89% efficiency ratio.

#3,347
largest of 4,313 FDIC banks by assets
22nd
percentile by asset size, nationally
20.60%
Tier 1 ratio - above the 10% well-capitalized line
9th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 30987 · SC B · 67/100

GRADE-B · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-B B (67/100)
  • LOWER-Q #3256/4307
  • PHOTO-FINISH Blue Grass Federal S… · KY
  • TIER1-WELL 20.6% Tier 1
  • TEXAS-CLEAN 0.4% Texas
  • ROA-THIN 0.23% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside South Carolina: Blue Grass Federal Savings and Loan Association, KY (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Spratt Savings Bank

Lowest and highest poles plus nearest scored peers outside South Carolina, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Blue Grass Federal S… · KY ·…67/100Citizens Savings Bank · PA ·…67/100Equitable Savings an… · CO ·…67/100First Federal Saving… · MS ·…67/100Spratt Savings Bank · SC · t…67/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Spratt Savings Bank · July 2026

Call Report read for Spratt Savings Bank in a high-failure state

Spratt Savings Bank (FDIC Cert #30987) carries a PlainBankData health grade of B at 67/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,256 of 4,307. Tier 1 capital prints at 20.60%, clearing the 10% well-capitalized line. The Texas Ratio is 0.37%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.23%. Balance-sheet scale is $150M, 3,347th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Blue Grass Federal Savings and Loan Association (KY), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Spratt Savings Bank

10 FAILURE resolutions in South Carolina since 2000, heavy vs the state corpus

Spratt Savings Bank sits in one of the heavier post-2000 FAILURE states (10 resolutions; latest year 2014). The list below is state history from the Failed Bank List, not a claim about Spratt Savings Bank's current Call Report.

  • ALLENDALE COUNTY BANK FAIRFAX, SC 2014 → PALMETTO STATE BANK
  • CAROLINA FEDERAL SAVINGS BANK CHARLESTON, SC 2012 → BANK OF NORTH CAROLINA
  • PLANTATION FEDERAL BANK PAWLEYS ISLAND, SC 2012 → FIRST FEDERAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and South Carolina banks.

How Spratt Savings Bank's 67/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10067/100
Spratt Savings Bank's composite health score
Tier 1 Capital Ratio (20.60%) 40/40
Return on Assets (ROA) (0.23%) 7/25
Texas Ratio (0.37%) 20/20
Efficiency Ratio (89.40%) 0/15

67 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$150M

Total balance-sheet footings

Total Deposits

$119M

Customer-funded liabilities

Net Loans

$47M

Outstanding loan book

Net Income

$342K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 19.2% 20.6% 22%
Basel III capital ratios - Spratt Savings Bank

Where Spratt Savings Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Spratt Savings Bank's score of 67/100 falls in the highlighted band.

Spratt Savings Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

67 24th percentile higher than 24% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Spratt Savings Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Spratt Savings Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Spratt Savings Bank's $150M falls in the highlighted band.

Capital & credit buffers at Spratt Savings Bank

Tier 1 capital ratio
Well-capitalized 10%

20.60% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
20.60%
Texas Ratio
0.37%
Equity Capital
$31M

What these ratios mean →

Profitability metrics: Spratt Savings Bank

Return on Assets (ROA)
9th percentile nationally
0.23%
Return on Equity (ROE)
1.12%
Efficiency Ratio
89.40%

What these mean →

Income & expense at Spratt Savings Bank

$6M
Interest Income
$234K
Non-Interest Income
$4M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Spratt Savings Bank reports a Texas Ratio of 0.37% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.37% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Spratt Savings Bank on FDIC BankFind →

Top banks in South Carolina by total assets

Largest banks headquartered in South Carolina
  1. 1
    United Community Bank $27.9B

    Greenville, SC · Grade A

  2. 2
    Southern First Bank $4.4B

    Greenville, SC · Grade B

  3. 3
    Coastal States Bank $2.3B

    Hilton Head Island, SC · Grade A

  4. 4
    Anderson Brothers Bank $2.2B

    Mullins, SC · Grade A

  5. 5
    First Community Bank $2.1B

    Lexington, SC · Grade A

Top 5 banks in South Carolina ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($150M here), outside South Carolina so the neighborhood is not state containment.

Farmers and Merchants State Bank $150M · ND Commercial Trust Company of Fayette $150M · MO The First National Bank of Hugo $150M · CO Independent Farmers Bank $150M · MO

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Spratt Savings Bank (FDIC Cert #30987) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 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.

Spratt Savings Bank Call Report profile · FDIC Failed Bank List · South Carolina FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in South Carolina

All South Carolina banks →
BankAssetsGradeROA
United Community BankGreenville $27.9B A 1.19%
Southern First BankGreenville $4.4B B 0.75%
Coastal States BankHilton Head Island $2.3B A 1.17%
Anderson Brothers BankMullins $2.2B A 1.38%
First Community BankLexington $2.1B A 1.07%
The Conway National BankConway $1.9B A 1.23%
South Atlantic BankMyrtle Beach $1.9B B 0.93%
Bank of Travelers RestTravelers Rest $1.6B A 1.44%