SPRATT SAVINGS BANK
CHESTER, SOUTH CAROLINA · FDIC Cert #30987
Capital & Safety Analysis
According to FDIC financial data, SPRATT SAVINGS BANK holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject SPRATT SAVINGS BANK to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
SPRATT SAVINGS BANK shows average financial health. While not alarming, its Health Score of 56/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
SPRATT SAVINGS BANK has a Bank Health Score of C (56/100). It holds a Tier 1 capital ratio of 0.00%, which is below the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
SPRATT SAVINGS BANK holds $146M in total assets and $115M in total deposits. It is located in CHESTER, SOUTH CAROLINA (FDIC Certificate #30987).
SPRATT SAVINGS BANK has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." The nonperforming loan ratio is 0.33%, and the return on assets is 0.13%.
Yes. SPRATT SAVINGS BANK is FDIC-insured (Certificate #30987). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.