Side-by-side · Q2 2026 data
Spratt Savings Bank vs SouthState Bank, National Association
Metric by metric
| Measure | Spratt Savings Bank | SouthState Bank, National Association |
|---|---|---|
| TellerScore | 82 (stronger) | 68 |
| Capital cushion | 100 (stronger) | 53 |
| Loan quality | 92 (stronger) | 82 |
| Earnings | 27 | 77 (stronger) |
| Funding & liquidity | 93 (stronger) | 45 |
| Problem-loan coverage | 99 (stronger) | 94 |
| Peer percentile | 82nd | 66th |
| Total assets | $154.4M | $68.8B |
| Deposits / shares | $123.0M | $56.4B |
| Capital ratio | 20.38% (stronger) | 10.28% |
| Problem loans | 0.23% (stronger) | 0.54% |
| Net charge-offs | 0.00% (stronger) | 0.07% |
| Return on assets | 0.18% | 1.42% (stronger) |
| Loans ÷ deposits | 38.5% (stronger) | 89.9% |
| Uninsured deposits | 21.5% (stronger) | 37.8% |
| Offices | 3 | 340 |
| CFPB complaints (3 yrs) | — | 252 |
| Complaints per $1B deposits | — | 4.5 |
| Mortgage denial rate (HMDA) | — | 23.3% |
Spratt Savings Bank has the higher TellerScore (82 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Spratt Savings Bank leads on 6 and SouthState Bank, National Association on 1. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.