Bank Comparison
Auburn Savings Bank, FSB vs Woodruff Federal Savings and Loan Association
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 6
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Auburn Savings Bank, FSB | Woodruff Federal Savings and Loan Association |
|---|---|---|
| CET1 Ratio | 12.49% | — |
| Tier 1 Capital Ratio | 12.49% | — |
| Total Capital Ratio | 13.70% | — |
| Tier 1 Leverage Ratio | 8.29% | 32.32% |
| Equity / Assets | 6.68% | 33.05% |
Profitability
| Metric | Auburn Savings Bank, FSB | Woodruff Federal Savings and Loan Association |
|---|---|---|
| Return on Assets (ROA) | 0.25% | 0.31% |
| Return on Equity (ROE) | 3.83% | 0.94% |
| Net Interest Margin (NIM) | 2.95% | 2.30% |
| Yield on Earning Assets | 5.30% | 4.56% |
| Cost of Funds | 2.40% | 3.17% |
Asset quality
| Metric | Auburn Savings Bank, FSB | Woodruff Federal Savings and Loan Association |
|---|---|---|
| Texas Ratio | 0.28% | 1.28% |
| Non-Performing Loan Ratio | 0.03% | 0.68% |
| Non-Performing Asset Ratio | 0.02% | 0.43% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 0.96% | 1.08% |
Balance sheet
| Metric | Auburn Savings Bank, FSB | Woodruff Federal Savings and Loan Association |
|---|---|---|
| Total Assets | $101,808K | $101,745K |
| Total Deposits | $73,564K | $66,628K |
| Total Loans | $83,953K | $64,570K |
| Total Equity | $6,800K | $33,628K |
| Net Income (quarter) | $65 | $79 |
Liquidity & funding
| Metric | Auburn Savings Bank, FSB | Woodruff Federal Savings and Loan Association |
|---|---|---|
| Loan-to-Deposit Ratio | 114.12% | 96.91% |
| Core Deposit Ratio | 77.34% | 77.18% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Auburn Savings Bank, FSB | Woodruff Federal Savings and Loan Association |
|---|---|---|
| Headquarters City | AUBURN | WOODRUFF |
| Headquarters State | ME | SC |
| Asset Tier | Small | Small |
| Charter Class | 701305 | 703150 |
| Regulator | OCC | OCC |
| Domestic Branches | 2 | 1 |
| Employees (FTE) | 16 | 10 |
| Established | Jan. 1, 1887, midnight | Dec. 14, 1934, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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