Side-by-side · Q2 2026 data
Spratt Savings Bank vs Pickens Savings and Loan Association, FA
Bank
Pickens Savings and Loan Association, FA
Pickens, South Carolina · $100 million – $1 billion
Metric by metric
| Measure | Spratt Savings Bank | Pickens Savings and Loan Association, FA |
|---|---|---|
| TellerScore | 82 (stronger) | 75 |
| Capital cushion | 100 (stronger) | 59 |
| Loan quality | 92 | 100 (stronger) |
| Earnings | 27 | 48 (stronger) |
| Funding & liquidity | 93 (stronger) | 87 |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 82nd | 61st |
| Total assets | $154.4M | $138.3M |
| Deposits / shares | $123.0M | $117.2M |
| Capital ratio | 20.38% (stronger) | 10.86% |
| Problem loans | 0.23% | 0.00% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.00% |
| Return on assets | 0.18% | 0.70% (stronger) |
| Loans ÷ deposits | 38.5% (stronger) | 72.8% |
| Uninsured deposits | 21.5% | 11.1% (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 75). On the 7 directional measures above (where higher or lower is clearly better), Spratt Savings Bank leads on 4 and Pickens Savings and Loan Association, FA on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.