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 Spratt Savings Bank
Spratt Savings Bank
| RSSD ID 746979 | CERTIFICATE 30987 | ABA NUMBER 253272009 |
| 1613 J A Cochran Byp |
Quarter Ended : |
2025-03-31 |
| Chester, South Carolina, 29706 |
Updated : |
2025-04-30 |
| 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 : |
19 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 144,611 |
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Total Interest Income | 1,378 |
| Total Liabilities | 114,076 |
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Total NonInterest Income | 60 |
| Total Bank Equity Capital | 30,535 |
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Total Interest Expense | 460 |
| Total Deposits | 113,718 |
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Total NonInterest Expense | 901 |
| Net Loans & Leases | 48,440 |
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Net Income | 62 |
| Loan Loss Allowance | 1,156 |
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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 | 48,485 |
| Total assets for the leverage ratio | 144,422 |
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Loans secured by real estate: | 45,141 |
| Tier 1 Leverage Ratio | 21.31 |
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Commercial and industrial loans | 2,979 |
| Off Balance Sheet Exposures (%) | 2.88 |
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Loans to individuals - Credit Cards | 0 |
| Trading Assets and Liabilities (%) | 0 |
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Loans to individuals - Other | 405 |
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:· Spratt Savings Bank
