BlastPoint's Banking Scorecard
Spratt Savings Bank
Designations: ✓ Mutual
Chester, SC
3 branches across SC
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 27 in SC.
- Deposits +5.2% year over year ($123.0M on the books).
- Delinquency rate 0.24%.
- Return on assets 0.18%.
- Efficiency ratio 92.15% vs a 64.48% peer average.
- Loan-to-deposit ratio 38.52% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Spratt Savings Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.68% below tier average
Key Concerns
Areas that may need attention
- - Return on Assets 1.14% below tier average
- - Efficiency Ratio 27.67% above tier average
- - Net Interest Margin 0.96% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$154.4M
+4.3% YoY
+2.7% QoQ
|
-$232.2M |
$386.6M
+1.2% YoY
|
$1.5B
+5.6% YoY
|
$6.3B
+7.7% YoY
|
15% |
| Total Loans ? |
$47.4M
-1.4% YoY
+3.6% QoQ
|
-$211.0M |
$258.3M
+1.7% YoY
|
$1.0B
+7.6% YoY
|
$3.2B
+9.4% YoY
|
Bottom 2.6% in tier |
| Total Deposits ? |
$123.0M
+5.2% YoY
+3.3% QoQ
|
-$203.7M |
$326.7M
+0.7% YoY
|
$1.3B
+2.8% YoY
|
$4.9B
+7.3% YoY
|
Bottom 13.0% in tier |
| Return on Assets ? |
0.18%
-21.7% YoY
+7.0% QoQ
|
-1.14% |
1.32%
+10.8% YoY
|
1.14%
+28.2% YoY
|
1.30%
+12.1% YoY
|
Bottom 5.2% in tier |
| Net Interest Margin ? |
3.03%
+8.8% YoY
+1.3% QoQ
|
-0.96% |
3.99%
+5.0% YoY
|
3.68%
+4.4% YoY
|
3.95%
+4.9% YoY
|
Bottom 10.7% in tier |
| Efficiency Ratio ? |
92.15%
+3.1% YoY
-0.5% QoQ
|
+27.67% |
64.48%
-3.2% YoY
|
67.24%
-4.2% YoY
|
70.05%
+2.5% YoY
|
Bottom 4.5% in tier |
| Delinquency Rate ? |
0.24%
-18.3% YoY
-6.0% QoQ
|
-0.68% |
0.92%
+15.7% YoY
|
0.46%
-16.5% YoY
|
0.98%
+16.3% YoY
|
63% |
| Loan-to-Deposit Ratio ? |
38.52%
-6.2% YoY
+0.3% QoQ
|
-39.43% |
77.95%
+1.0% YoY
|
74.60%
+2.0% YoY
|
79.03%
+2.3% YoY
|
Top 3.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
10.99%
-11.8% YoY
-1.7% QoQ
|
-11.04% |
22.03%
-0.6% YoY
|
21.25%
-0.8% YoY
|
21.98%
-0.6% YoY
|
Bottom 12.6% in tier |
| Nonperforming Asset Ratio ? |
0.07%
-22.8% YoY
-5.2% QoQ
|
-0.60% |
0.67%
+16.4% YoY
|
0.29%
-15.5% YoY
|
0.69%
+15.8% YoY
|
75% |
| Tier 1 Capital Ratio ? |
20.38%
-2.6% YoY
+0.4% QoQ
|
+4.47% |
15.91%
+1.4% YoY
|
17.16%
+0.2% YoY
|
17.09%
+0.8% YoY
|
Top 12.8% in tier |
| Non-Interest Income / Assets ? |
0.07%
-9.7% YoY
+89.7% QoQ
|
-0.49% |
0.57%
+7.6% YoY
|
0.29%
+23.1% YoY
|
0.66%
+5.2% YoY
|
Bottom 10.9% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
11.0%
-1.5pp YoY -0.2pp QoQ |
-11.2pp | 22.1% | 21.7% | 22.2% | 12% |
| Brokered Deposits | n/a | n/a | 7.9% | 10.6% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
6.0%
-0.5pp YoY +0.1pp QoQ |
-5.5pp | 11.6% | 9.8% | 12.5% | 26% |
| CRE |
39.3%
-2.3pp YoY -1.6pp QoQ |
-0.2pp | 39.5% | 43.3% | 41.4% | 51% |
| 1-4 Family |
53.5%
+3.3pp YoY +0.8pp QoQ |
+20.9pp | 32.6% | 44.4% | 31.3% | 85% |
| Consumer |
1.0%
+0.1pp YoY -0.1pp QoQ |
-3.1pp | 4.1% | 4.5% | 5.0% | 30% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 18.1% | 19.7% | n/a |
| Leverage Ratio |
20.4%
-0.5pp YoY +0.1pp QoQ |
+8.2pp | 12.2% | 12.3% | 12.6% | 96% |
| Total Capital Ratio | n/a | n/a | 19.9% | 19.1% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
22
+2 (+10.0%) YoY -1 (-4.3%) QoQ |
-37 | 58 | 174 | 482 | 14% |
| Assets per Employee ($) |
$7.0M
-5.2% YoY +7.4% QoQ |
-$500K | $7.5M | $7.8M | $8.8M | 52% |
| Branch Count |
3
+1 (+50.0%) YoY +1 (+50.0%) QoQ |
-2 | 4 | 12 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.0% | 0.4% | n/a |
| Nonaccrual |
0.2%
-0.1pp YoY 0.0pp QoQ |
-0.7pp | 0.9% | 0.5% | 1.0% | 33% |
| Allowance Coverage |
9.98x
+20.0% YoY +2.7% QoQ |
-14.17x | 24.15x | 15.59x | 20.23x | 82% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
0.9%
-0.2pp YoY +0.1pp QoQ |
-11.3pp | 12.2% | 11.7% | 11.6% | 4% |
| Cost of Funds (YTD) |
1.2%
-0.2pp YoY 0.0pp QoQ |
-0.5pp | 1.7% | 1.6% | 1.7% | 18% |
| Net Income ($, YTD) |
$136,000
-18.1% YoY — QoQ |
-$2.4M | $2.6M | $9.6M | $40.4M | 4% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.