Side-by-side · Q2 2026 data
Dedicated Community Bank vs Spratt Savings Bank
Metric by metric
| Measure | Dedicated Community Bank | Spratt Savings Bank |
|---|---|---|
| TellerScore | 65 | 82 (stronger) |
| Capital cushion | 43 | 100 (stronger) |
| Loan quality | 84 | 92 (stronger) |
| Earnings | 56 (stronger) | 27 |
| Funding & liquidity | 74 | 93 (stronger) |
| Problem-loan coverage | 92 | 99 (stronger) |
| Peer percentile | 29th | 82nd |
| Total assets | $100.6M | $154.4M |
| Deposits / shares | $91.1M | $123.0M |
| Capital ratio | 9.27% | 20.38% (stronger) |
| Problem loans | 0.47% | 0.23% (stronger) |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 0.89% (stronger) | 0.18% |
| Loans ÷ deposits | 82.5% | 38.5% (stronger) |
| Uninsured deposits | 18.0% (stronger) | 21.5% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.6% | — |
Spratt Savings Bank has the higher TellerScore (82 vs 65). On the 6 directional measures above (where higher or lower is clearly better), Dedicated Community Bank leads on 2 and Spratt Savings Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.