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Sandy Spratt created Ardmore Banking Advisors to expand the services provided by Ardmore Capital Advisors, a firm he also founded in 1991. Sandy brings over 40 years of banking, investment banking, and consulting experience to Ardmore’s client base. 

Sandy was previously President, CEO, and Board Chairman of a community bank, Group Executive Vice President and Chief Credit Policy Officer of a multi-community bank holding company, and Head of Corporate Banking for a Regional Bank, where he directed eight diverse corporate, specialty, and investment banking divisions.

​At Ardmore Banking Advisors, Sandy applies a wide breadth of experience in the banking and financial services industries to solve client problems and meet objectives in the following areas of activity:

• Financial Advisory
• Strategic Planning 
• Productivity Enhancement
• Profitability Analysis
• Credit Policy 
• Mergers & Acquisitions
• Due Diligence 
• Board & “C”-Level Advisory
• Credit Risk Consulting

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