Spratt Savings Bank quarterly financials
As reported to the FDIC. Dollar values are period-end balances. Net income is for the single quarter, derived from the FDIC's year-to-date figures by subtracting the prior quarter's report. Ratios (ROA, ROE, NIM) are FDIC-computed annualized year-to-date values.
| Quarter | Assets | Deposits | Net loans | Equity | Net income | ROA | ROE | NIM | Noncurrent |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $150M | $119M | $46M | $31M | $63K | 0.17% | 0.81% | 2.99% | 0.25% |
| Q4 2025 | $150M | $119M | $47M | $31M | $87K | 0.23% | 1.12% | 2.86% | 0.25% |
| Q3 2025 | $150M | $119M | $47M | $31M | $89K | 0.23% | 1.11% | 2.83% | 0.25% |
| Q2 2025 | $148M | $117M | $48M | $31M | $104K | 0.23% | 1.09% | 2.78% | 0.28% |
| Q1 2025 | $145M | $114M | $48M | $31M | $62K | 0.17% | 0.81% | 2.72% | 0.29% |
| Q4 2024 | $143M | $112M | $46M | $30M | $25K | 0.09% | 0.45% | 2.48% | 0.31% |
| Q3 2024 | $145M | $114M | $46M | $31M | $32K | 0.10% | 0.49% | 2.44% | 0.32% |
| Q2 2024 | $146M | $115M | $45M | $30M | $40K | 0.11% | 0.52% | 2.43% | 0.33% |
| Q1 2024 | $146M | $116M | $44M | $30M | $39K | 0.11% | 0.51% | 2.43% | 0.47% |
| Q4 2023 | $147M | $116M | $43M | $30M | $74K | 0.38% | 1.90% | 2.60% | 0.48% |
| Q3 2023 | $146M | $115M | $42M | $30M | $114K | 0.44% | 2.21% | 2.63% | 0.62% |
| Q2 2023 | $149M | $118M | $42M | $30M | $190K | 0.50% | 2.56% | 2.68% | 0.64% |
Transcribed from FDIC BankFind Suite quarterly financial data (Call Report-derived). Income in Call Reports is filed year-to-date; per-quarter net income shown here is the difference between consecutive reports within the same year. NIM = net interest margin; “Noncurrent” = noncurrent loans as a share of total loans. These figures describe reported financials only and are not a safety rating or a prediction about the institution.