Spratt Savings Bank
Chester, SC
IDRSSD: 746979
Total Assets
$150.33M
Latest filing
Total Deposits
$119.07M
Latest filing
Net Interest Margin
2.93%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Spratt Savings Bank
1613 J A Cochran Byp
Chester, SC 29706
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1893FDIC Certificate 43821
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Spratt Savings Bank (Main) | 1613 J A Cochran Byp | Chester, SC |
| GREAT FALLS BRANCH | 404 Chester Ave | Great Falls, SC |
Showing 1 of 1
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | N/A |
| Primary Regulator | FDIC |
| Established Date | 01/01/1893 |
| Community Bank | Yes |
| Ownership Type | Mutual |
| ZIP | 29706 |
| State and County Number | 45023 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 05 |
| Numeric code | 36 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Charlotte-Concord-Gastonia, NC-SC |
Operational Info
| Number of Employees | 21 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.sprattsavingsbank.com |
| Data Updated | 01/30/2026 |
| CERT | 30987 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $150.33M |
| Total Deposits | $119.07M |
| Total Liabilities | $119.41M |
| Total Equity Capital | $30.92M |
| Net Income | $87.00k |
| Net Loans and Leases | $46.54M |
| Assets Per Employee ($Millions) | $6.54M |
| Bank Premises and Fixed Assets | $6.36M |
| Cash and Balances due from Depository Institutions | $15.02M |
| Deposits Held in Domestic Offices | $119.07M |
Key Performance Ratios
| Return on Assets (ROA) | 0.23% |
| Return on Equity (ROE) | 1.13% |
| Net Interest Margin | 2.93% |
| Efficiency Ratio | 89.56% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 20.568% |
| Earning Assets to total Assets | 93.7% |
Income and Expense
| Total Interest Income | $1.48M |
| Total Noninterest Income | $59.00k |
| Total Interest Expense | $447.00k |
| Total Noninterest Expense | $981.00k |
| Net Interest Income | $1.03M |
| Pre-tax Net Operating Income | $111.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $919.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $339.00k |
| Total Liabilities and Capital | $150.33M |
Securities
| Securities | $80.65M |
| Available-for-sale debt securities | $9.51M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $71.14M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Spratt Savings Bank?
$150.33M as of the latest filing.
How much are Spratt Savings Bank's total deposits?
$119.07M in total deposits.
Where is Spratt Savings Bank located?
Chester, SC.
What is the Net Interest Margin?
2.93%.
How many domestic offices does it operate?
2.
When was it established?
01/01/1893.
What is the Return on Assets (ROA)?
0.23%.
How much are total loans and leases?
$46.54M (latest filing).
What is the total interest income (latest filing)?
$1.48M.