WOODRUFF FEDERAL SAVINGS AND LOAN ASSOCIATION

WOODRUFF, SC | Micro | Est. Dec. 14, 1934, midnight | FDIC #29238 | RSSD #661474 | OCC
Latest Report: 2025-12-31

WOODRUFF FEDERAL SAVINGS AND LOAN ASSOCIATION is amn micro FDIC-insured commercial bank headquartered in WOODRUFF, SC, established in Dec. 14, 1934, midnight. As of 2025-12-31, the bank reported total assets of $98M and total deposits of $63M. Profitability stands at 0.29% ROA and 0.85% ROE, with a net interest margin of 2.24%. The bank's CET1 capital ratio is 34.22%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.06% and a Texas Ratio of 2.01%. FDIC Certificate #29238.

Assets

$98M

Deposits

$63M

Loans

$65M

Equity

$34M

Profitability

Return on Assets (ROA) 0.29%
Return on Equity (ROE) 0.85%
Net Interest Margin (NIM) 2.24%
Yield on Assets 4.47%
Cost of Funds 3.16%

Asset Quality

NPL Ratio 1.06%
Net Charge-Off Ratio --
Texas Ratio 2.01%
NPA Ratio 0.70%
ACL / Loans 1.07%

Capital & Liquidity

CET1 Ratio 34.22%
Tier 1 Capital 34.22%
Total Capital Ratio 35.93%
Leverage Ratio 33.13%
Loan-to-Deposit 103.08%

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