Spratt Savings Bank
Chester, SC · Cert 30987 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
SL · FDIC · 3 branches
Q2 2026
$154.4MAssets
$48.5MLoans
$123.0MDeposits
$31.0MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
- Widest gap: return on equity trails 95% of banks under $1B in assets operating in a single state (rank 706 of 746).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.18%
Rank 698 of 746
Net Interest Margin
2.80%
Rank 660 of 746
Efficiency Ratio
92.46%
Rank 698 of 746
Equity / Assets
20.06%
Rank 34 of 746
Non-interest income vs. expense
Unfavorable gap of $3.9M · efficiency ratio beats 7% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.18% | 0.72% | 1.06% | 1.45% | Beats 6% | 698 / 746 | | |
| Return on Equity | 0.88% | 6.74% | 10.51% | 13.63% | Beats 5% | 706 / 746 | | |
| Net Interest Margin | 2.80% | 3.17% | 3.68% | 4.16% | Beats 12% | 660 / 746 | | |
| Efficiency Ratio | 92.46% | 55.74% | 64.58% | 75.47% | Beats 7% | 698 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.23% | 0.09% | 0.42% | 1.07% | Beats 64% | 270 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 20.38% | 11.55% | 13.75% | 17.60% | Beats 84% | 121 / 746 | | |
| Total Risk-Based Capital Ratio | 20.38% | 11.71% | 14.33% | 18.43% | Beats 82% | 137 / 746 | | |
| Equity / Assets | 20.06% | 8.90% | 10.51% | 13.06% | Beats 95% | 34 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 39.43% | 61.31% | 78.27% | 90.78% | 5th pctl | 710 / 746 | | |
| Loans / Assets | 31.42% | 53.60% | 66.97% | 76.08% | 3rd pctl | 720 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |