BlastPoint's Banking Scorecard

Spratt Savings Bank

$100M-$1B Specialty: Other SC FDIC cert 30987

Designations: ✓ Mutual

Chester, SC

3 branches across SC

2664 banks in the $100M-$1B peer group nationally 27 in SC

Spratt Savings Bank has 1 strength but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.64% below tier average

Key Concerns

Areas that may need attention

- Return on Assets 1.10% below tier average
- Efficiency Ratio 27.32% above tier average
- Net Interest Margin 0.94% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Total Assets ?	$150.3M +4.0% YoY +0.0% QoQ	-$235.7M	$386.1M +0.5% YoY	$1.5B +4.7% YoY	$6.2B +9.1% YoY	Bottom 14.4% in tier
Total Loans ?	$45.7M -5.6% YoY -1.7% QoQ	-$210.0M	$255.7M +1.1% YoY	$993.8M +7.7% YoY	$3.2B +10.8% YoY	Bottom 2.3% in tier
Total Deposits ?	$119.0M +4.7% YoY -0.0% QoQ	-$208.9M	$328.0M +0.1% YoY	$1.3B +4.0% YoY	$4.8B +8.2% YoY	Bottom 11.5% in tier
Return on Assets ?	0.17% -3.0% YoY -27.9% QoQ	-1.10%	1.27% +12.9% YoY	1.18% +45.0% YoY	1.23% +13.4% YoY	Bottom 6.0% in tier
Net Interest Margin ?	2.99% +9.9% YoY +4.5% QoQ	-0.94%	3.93% +6.0% YoY	3.64% +5.2% YoY	3.89% +5.7% YoY	Bottom 11.2% in tier
Efficiency Ratio ?	92.61% +0.7% YoY +3.6% QoQ	+27.32%	65.29% -4.5% YoY	67.38% -5.7% YoY	66.95% -4.1% YoY	Bottom 4.9% in tier
Delinquency Rate ?	0.25% -14.2% YoY +0.0% QoQ	-0.64%	0.89% +18.8% YoY	0.54% +11.8% YoY	0.95% +18.8% YoY	60%
Loan-to-Deposit Ratio ?	38.42% -9.8% YoY -1.7% QoQ	-38.22%	76.64% +0.8% YoY	73.64% +1.6% YoY	76.70% +0.9% YoY	Top 3.7% in tier
Non-Interest-Bearing Deposit Share ?	11.18% -1.9% YoY +4.7% QoQ	-10.84%	22.02% -1.0% YoY	20.84% -0.7% YoY	22.01% -1.2% YoY	Bottom 13.2% in tier
Nonperforming Asset Ratio ?	0.08% -22.1% YoY -1.7% QoQ	-0.56%	0.64% +19.7% YoY	0.34% +10.8% YoY	0.67% +19.3% YoY	74%
Tier 1 Capital Ratio ?	20.29% -4.8% YoY -1.5% QoQ	+4.46%	15.83% +1.5% YoY	17.50% +3.0% YoY	17.06% +0.8% YoY	Top 12.7% in tier
Non-Interest Income / Assets ?	0.04% -7.0% YoY -75.2% QoQ	-0.24%	0.28% +9.3% YoY	0.17% +48.2% YoY	0.32% +4.1% YoY	Bottom 12.8% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (2 metrics)

100

Loan-to-Deposit Ratio

liquidity

Value: 38.42%

Peer Median: 76.64%

#100 of 2664 Top 3.7% in $100M-$1B

339

Tier 1 Capital Ratio

capital

Value: 20.29%

Peer Median: 15.83%

#339 of 2664 Top 12.7% in $100M-$1B

Top Weaknesses (8 metrics)

2604

Total Loans

size

Value: $45.73M

Peer Median: $255.72M

#2604 of 2664 Bottom 2.3% in $100M-$1B

2534

Efficiency Ratio

profitability

Value: 92.61%

Peer Median: 65.29%

#2534 of 2664 Bottom 4.9% in $100M-$1B

2504

Return on Assets

profitability

Value: 0.17%

Peer Median: 1.27%

#2504 of 2664 Bottom 6.0% in $100M-$1B

2366

Net Interest Margin

profitability

Value: 2.99%

Peer Median: 3.93%

#2366 of 2664 Bottom 11.2% in $100M-$1B

2358

Total Deposits

size

Value: $119.05M

Peer Median: $327.97M

#2358 of 2664 Bottom 11.5% in $100M-$1B

2325

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.28%

#2325 of 2664 Bottom 12.8% in $100M-$1B

2313

Non-Interest-Bearing Deposit Share

funding

Value: 11.18%

Peer Median: 22.02%

#2313 of 2664 Bottom 13.2% in $100M-$1B

2282

Total Assets

size

Value: $150.34M

Peer Median: $386.08M

#2282 of 2664 Bottom 14.4% in $100M-$1B