BanksWOODRUFF FEDERAL SAVINGS AND LOAN ASSOCIATION

WOODRUFF FEDERAL SAVINGS AND LOAN ASSOCIATION

WOODRUFF, SCMicroEst. Dec. 14, 1934, midnightFDIC #29238RSSD #661474OCC
Latest · 2025-12-31

WOODRUFF FEDERAL SAVINGS AND LOAN ASSOCIATION is an 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%. CET1 capital ratio: 34.22%, well above regulatory minimums. NPL ratio: 1.06% · Texas Ratio: 2.01%. Operates 1 domestic branch.

Assets
$98M
Deposits
$63M
Loans
$65M
Equity
$34M

Profitability

Return on Assets (ROA)0.29%
Return on Equity (ROE)0.85%
Net Interest Margin2.24%
Yield on Assets4.47%
Cost of Funds3.18%

Asset Quality

NPL Ratio1.06%
Net Charge-Off Ratio0.00%
Texas Ratio2.01%
NPA Ratio0.70%
ACL / Loans1.07%

Capital & Liquidity

CET1 Ratio34.22%
Tier 1 Capital34.22%
Total Capital Ratio35.93%
Leverage Ratio33.13%
Loan-to-Deposit103.08%

This is just the summary.

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