Spratt Savings Bank is a bank based in Chester, South Carolina, established in 1893, with $150 million in total assets across 3 branches. By Trust Grade it ranks 28th of 44 banks we track in South Carolina. Its capital ratio of 20.6% is stronger than 97% of similarly sized banks, versus a South Carolina median of 9.8%. It was profitable over the most recent period, with a 0.17% return on assets. No consumer complaints against Spratt Savings Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Spratt Savings Bank compares to South Carolina peers
How we graded Spratt Savings Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (20.6% capital ratio)
- Profitable (ROA 0.17%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Spratt Savings Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (3)
- 1613 J A Cochran Byp, Chester, SC 29706
- 404 Chester Ave, Great Falls, SC 29055
- 3255 Lancaster Hwy, Richburg, SC 29729
Are deposits at Spratt Savings Bank insured?
Yes. Spratt Savings Bank is an FDIC-insured bank (FDIC certificate #30987). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Spratt Savings Bank: frequently asked questions
Is Spratt Savings Bank a good bank?
Spratt Savings Bank earns a Bankzia Trust Grade of A (92/100, "Excellent"), based on a financial-strength score of 92/100 (it has no CFPB complaints on record). Strongly capitalized (20.6% capital ratio); Profitable (ROA 0.17%).
Is Spratt Savings Bank FDIC-insured?
Yes. Spratt Savings Bank is a FDIC-insured bank (FDIC certificate #30987). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Spratt Savings Bank?
Spratt Savings Bank holds $150 million in total assets, ranking 28th of 44 banks we track in South Carolina. It operates 3 branches.
Does Spratt Savings Bank have CFPB complaints?
No CFPB complaints against Spratt Savings Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
