BlastPoint's Banking Scorecard
Spratt Savings Bank
Micro
Specialty: Other
SC
FDIC cert 30987
Designations: ✓ Community bank ✓ Mutual
Chester, SC
2498
banks in Micro tier nationally
21 in SC
View Micro leaderboard (SC) →
Spratt Savings Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 35.44% below tier
Key Concerns
Areas that may need attention
- - Efficiency Ratio 21.67% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$150.3M
+5.5% YoY
+0.3% QoQ
|
-$67.2M |
$217.5M
+2.3% YoY
|
$1.4B
+4.5% YoY
|
$5.9B
+6.5% YoY
|
38% |
| Total Loans ? |
$46.5M
+1.7% YoY
-1.6% QoQ
|
-$92.6M |
$139.2M
+2.8% YoY
|
$973.5M
+7.4% YoY
|
$3.1B
+8.5% YoY
|
18% |
| Total Deposits ? |
$119.1M
+6.5% YoY
+0.3% QoQ
|
-$64.6M |
$183.7M
+1.8% YoY
|
$1.2B
+4.1% YoY
|
$4.7B
+6.3% YoY
|
35% |
| Return on Assets ? |
0.23%
+148.3% YoY
+0.0% QoQ
|
-0.85% |
1.08%
+14.7% YoY
|
0.95%
+14.5% YoY
|
1.12%
+15.6% YoY
|
Bottom 11% in tier |
| Net Interest Margin ? |
2.86%
+15.4% YoY
+1.0% QoQ
|
-0.99% |
3.85%
+6.6% YoY
|
3.61%
+7.8% YoY
|
3.75%
+7.1% YoY
|
Bottom 12% in tier |
| Efficiency Ratio ? |
89.40%
-6.4% YoY
+0.1% QoQ
|
+21.67% |
67.73%
-4.8% YoY
|
68.53%
-3.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 10% in tier |
| Delinquency Rate ? |
0.25%
-20.7% YoY
-0.9% QoQ
|
-0.39% |
0.64%
+24.4% YoY
|
0.35%
-2.9% YoY
|
0.66%
+20.3% YoY
|
58% |
| Loan-to-Deposit Ratio ? |
39.08%
-4.5% YoY
-1.8% QoQ
|
-35.44% |
74.53%
+0.5% YoY
|
73.98%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Top 5% in tier |
| Non-Interest-Bearing Deposit Share ? |
10.68%
+1.0% YoY
-2.6% QoQ
|
-11.71% |
22.39%
-1.3% YoY
|
20.79%
-0.7% YoY
|
21.79%
-1.3% YoY
|
Bottom 13% in tier |
| Nonperforming Asset Ratio ? |
0.08%
-23.5% YoY
-2.7% QoQ
|
-0.37% |
0.45%
+25.1% YoY
|
0.23%
-5.4% YoY
|
0.48%
+20.8% YoY
|
70% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
12.85%
+2.9% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.16%
+0.4% YoY
+33.4% QoQ
|
-0.41% |
0.56%
+0.3% YoY
|
0.49%
-7.0% YoY
|
0.65%
+0.6% YoY
|
16% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 5%
in Micro
Why this stands out
Current:
39.08%
(Tier avg: 74.53%, National avg: 78.04%)
Concerns (1)
Efficiency Ratio
metric
Bottom 10%
in Micro
Why this stands out
Current:
89.40%
(Tier avg: 67.73%, National avg: 65.09%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
95
95th pctile
Loan-to-Deposit Ratio
Current: 39.08% · Tier avg: 74.53%
70
70th pctile
Nonperforming Asset Ratio
Current: 0.08% · Tier avg: 0.45%
58
58th pctile
Delinquency Rate
Current: 0.25% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
38
38th pctile
Total Assets
Current: $150.3M · Tier avg: $217.5M
35
35th pctile
Total Deposits
Current: $119.1M · Tier avg: $183.7M
18
18th pctile
Total Loans
Current: $46.5M · Tier avg: $139.2M
16
16th pctile
Non-Interest Income / Assets
Current: 0.16% · Tier avg: 0.56%
13
13th pctile
Non-Interest-Bearing Deposit Share
Current: 10.68% · Tier avg: 22.39%
12
12th pctile
Net Interest Margin
Current: 2.86% · Tier avg: 3.85%
11
11th pctile
Return on Assets
Current: 0.23% · Tier avg: 1.08%
10
10th pctile
Efficiency Ratio
Current: 89.40% · Tier avg: 67.73%
Top Weaknesses
10
10th pctile
Efficiency Ratio
Current: 89.40% · Tier avg: 67.73%
11
11th pctile
Return on Assets
Current: 0.23% · Tier avg: 1.08%
12
12th pctile
Net Interest Margin
Current: 2.86% · Tier avg: 3.85%
13
13th pctile
Non-Interest-Bearing Deposit Share
Current: 10.68% · Tier avg: 22.39%
16
16th pctile
Non-Interest Income / Assets
Current: 0.16% · Tier avg: 0.56%
18
18th pctile
Total Loans
Current: $46.5M · Tier avg: $139.2M
35
35th pctile
Total Deposits
Current: $119.1M · Tier avg: $183.7M
38
38th pctile
Total Assets
Current: $150.3M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
58
58th pctile
Delinquency Rate
Current: 0.25% · Tier avg: 0.64%
70
70th pctile
Nonperforming Asset Ratio
Current: 0.08% · Tier avg: 0.45%
95
95th pctile
Loan-to-Deposit Ratio
Current: 39.08% · Tier avg: 74.53%