Side-by-side · Q2 2026 data
Spratt Savings Bank vs CBL State Savings Bank
Metric by metric
| Measure | Spratt Savings Bank | CBL State Savings Bank |
|---|---|---|
| TellerScore | 82 (stronger) | 80 |
| Capital cushion | 100 | 100 |
| Loan quality | 92 | 100 (stronger) |
| Earnings | 27 (stronger) | 24 |
| Funding & liquidity | 93 (stronger) | 67 |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 82nd | 77th |
| Total assets | $154.4M | $191.3M |
| Deposits / shares | $123.0M | $125.9M |
| Capital ratio | 20.38% (stronger) | 15.93% |
| Problem loans | 0.23% | 0.01% (stronger) |
| Net charge-offs | 0.00% | -0.05% (stronger) |
| Return on assets | 0.18% (stronger) | 0.10% |
| Loans ÷ deposits | 38.5% (stronger) | 92.6% |
| Uninsured deposits | 21.5% | 15.5% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Spratt Savings Bank has the higher TellerScore (82 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Spratt Savings Bank leads on 4 and CBL State Savings Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.