Spratt Savings Bank is a savings association headquartered in Chester, South Carolina, in business for about 133 years. At the end of Q2 2026 it reported $154.4M in total assets and $123.0M in deposits, with 3 offices.
Spratt Savings Bank has a TellerScore of 82 out of 100 (strong) based on Q2 2026 data — higher than 82% of its 2,650 banks with $100 million – $1 billion. Among 44 banks headquartered in South Carolina, it ranks 10th. Capital cushion contributes the most (100/100, 20.38%); earnings contributes the least (27/100, 0.18%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (83 → 82).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 82 |
| Q3 2024 | 82 |
| Q4 2024 | 82 |
| Q1 2025 | 83 |
| Q2 2025 | 83 |
| Q3 2025 | 83 |
| Q4 2025 | 83 |
| Q1 2026 | 83 |
| Q2 2026 | 82 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 21.01% |
| Q3 2024 | 21.06% |
| Q4 2024 | 21.23% |
| Q1 2025 | 21.31% |
| Q2 2025 | 20.92% |
| Q3 2025 | 20.77% |
| Q4 2025 | 20.60% |
| Q1 2026 | 20.29% |
| Q2 2026 | 20.38% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.33% |
| Q3 2024 | 0.32% |
| Q4 2024 | 0.31% |
| Q1 2025 | 0.29% |
| Q2 2025 | 0.28% |
| Q3 2025 | 0.25% |
| Q4 2025 | 0.25% |
| Q1 2026 | 0.25% |
| Q2 2026 | 0.23% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.11% |
| Q3 2024 | 0.10% |
| Q4 2024 | 0.09% |
| Q1 2025 | 0.17% |
| Q2 2025 | 0.23% |
| Q3 2025 | 0.23% |
| Q4 2025 | 0.23% |
| Q1 2026 | 0.17% |
| Q2 2026 | 0.18% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 82 | $154.4M | 20.38% | 0.23% | 0.18% | 38.5% |
| Q1 2026 | 83 | $150.3M | 20.29% | 0.25% | 0.17% | 38.4% |
| Q4 2025 | 83 | $150.3M | 20.60% | 0.25% | 0.23% | 39.1% |
| Q3 2025 | 83 | $149.9M | 20.77% | 0.25% | 0.23% | 39.8% |
| Q2 2025 | 83 | $148.0M | 20.92% | 0.28% | 0.23% | 41.1% |
| Q1 2025 | 83 | $144.6M | 21.31% | 0.29% | 0.17% | 42.6% |
| Q4 2024 | 82 | $142.5M | 21.23% | 0.31% | 0.09% | 40.9% |
| Q3 2024 | 82 | $144.7M | 21.06% | 0.32% | 0.10% | 40.6% |
| Q2 2024 | 82 | $145.9M | 21.01% | 0.33% | 0.11% | 39.1% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in South Carolina
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| 1st Federal Savings Bank of SC, Inc.Bank Walterboro, SC | 68 out of 100, Moderate | $151.6M | 9.7% | 0.00% | vs |
| Bank of GreeleyvilleBank Greeleyville, SC | 75 out of 100, Strong | $160.1M | 10.6% | 0.38% | vs |
| Abbeville First Bank, SSBBank Abbeville, SC | 64 out of 100, Moderate | $138.8M | 10.4% | 0.81% | vs |
| Pickens Savings and Loan Association, FABank Pickens, SC | 75 out of 100, Strong | $138.3M | 10.9% | 0.00% | vs |
| CBL State Savings BankBank Greer, SC | 80 out of 100, Strong | $191.3M | 15.9% | 0.01% | vs |
| Blue Ridge BankBank Walhalla, SC | 69 out of 100, Moderate | $199.4M | 9.2% | 0.00% | vs |
Deposit insurance
Is my money safe at Spratt Savings Bank?
Yes. Spratt Savings Bank is an FDIC-insured institution (FDIC certificate #30987). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 21.5% of deposits ($26.5M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 20.38%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
3 locations
Branches
Spratt Savings Bank lists 3 offices in 3 cities. Most locations:
- Chester, SC (1)
- Great Falls, SC (1)
- Richburg, SC (1)
Identity & history
Profile
- Legal name
- Spratt Savings Bank
- Former names
- Spratt Savings and Loan Association
- Type
- Savings association
- FDIC certificate #
- 30987
- RSSD ID
- 746979
- Primary regulator
- FDIC
- Established
- January 1, 1893
- Headquarters
- 1613 J A Cochran Byp, Chester, SC 29706
- Website
- www.sprattsavingsbank.com
- Employees
- 22
Quick answers
Spratt Savings Bank: common questions
Is Spratt Savings Bank FDIC insured?
Yes. Spratt Savings Bank is an FDIC-insured institution (FDIC certificate #30987). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Spratt Savings Bank's TellerScore?
82 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Spratt Savings Bank ever failed?
There is no failure record for FDIC certificate #30987 in the FDIC failed bank list.
How many branches does Spratt Savings Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Chester
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank of YorkBank York, SC | 83 out of 100, Strong | $317.7M | 12.9% | 0.86% | vs |
| Founders Federal Credit UnionCredit union Lancaster, SC | 79 out of 100, Strong | $5.2B | 13.6% | 0.68% | vs |
| First BankBank Southern Pines, NC | 74 out of 100, Strong | $13.0B | 11.5% | 0.49% | vs |
| Family Trust Federal Credit UnionCredit union Rock Hill, SC | 71 out of 100, Strong | $805.4M | 11.8% | 0.73% | vs |
| First Community BankBank Lexington, SC | 71 out of 100, Strong | $2.4B | 9.3% | 0.05% | vs |
| SouthState Bank, National AssociationBank Winter Haven, FL | 68 out of 100, Moderate | $68.8B | 10.3% | 0.54% | vs |