Side-by-side · Q2 2026 data
Blue Ridge Bank vs Spratt Savings Bank
Metric by metric
| Measure | Blue Ridge Bank | Spratt Savings Bank |
|---|---|---|
| TellerScore | 69 | 82 (stronger) |
| Capital cushion | 42 | 100 (stronger) |
| Loan quality | 100 (stronger) | 92 |
| Earnings | 41 (stronger) | 27 |
| Funding & liquidity | 87 | 93 (stronger) |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 40th | 82nd |
| Total assets | $199.4M | $154.4M |
| Deposits / shares | $181.8M | $123.0M |
| Capital ratio | 9.19% | 20.38% (stronger) |
| Problem loans | 0.00% (stronger) | 0.23% |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | 0.54% (stronger) | 0.18% |
| Loans ÷ deposits | 73.7% | 38.5% (stronger) |
| Uninsured deposits | 8.9% (stronger) | 21.5% |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Spratt Savings Bank has the higher TellerScore (82 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Blue Ridge Bank leads on 3 and Spratt Savings Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.