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 Spratt Savings Bank
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Spratt Savings Bank
| RSSD ID 746979 | CERTIFICATE 30987 | ABA NUMBER 253272009 |
| 1613 J A Cochran Byp |
Quarter Ended : |
2026-03-31 |
| Chester, South Carolina, 29706 |
Updated : |
2026-04-29 |
| www.sprattsavingsbank.com |
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| Institution Profile |
| Year Opened : |
1893 |
Institution Type : |
State Stock Savings and Loans |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
No |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
051 |
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| Specialization : |
Other Specialized Under 1 Billion |
| Number of Offices : |
2 |
Number of Employees : |
23 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 150,344 |
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Total Interest Income | 1,472 |
| Total Liabilities | 119,422 |
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Total NonInterest Income | 58 |
| Total Bank Equity Capital | 30,922 |
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Total Interest Expense | 421 |
| Total Deposits | 119,049 |
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Total NonInterest Expense | 1,030 |
| Net Loans & Leases | 45,604 |
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Net Income | 63 |
| Loan Loss Allowance | 1,118 |
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Net Charge Offs | 0 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Community Bank Leverage Ratio | Yes |
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Total loans | 46,776 |
| Total assets for the leverage ratio | 153,337 |
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Loans secured by real estate: | 43,267 |
| Tier 1 Leverage Ratio | 20.29 |
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Commercial and industrial loans | 2,889 |
| Off Balance Sheet Exposures (%) | 3.34 |
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Loans to individuals - Credit Cards | 0 |
| Trading Assets and Liabilities (%) | 0 |
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Loans to individuals - Other | 468 |
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:· Spratt Savings Bank
