Woodruff Federal Savings and Loan Association
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Data as of · sourced from FFIEC call reports. How we update
Woodruff Federal Savings and Loan Association is an FDIC-insured savings institution headquartered in Woodruff, SC, established in 1934 (FDIC certificate 29238), and it is supervised by the OCC. At Q2 2026 it reported total assets of $104.2M, up 7.7% from Q2 2025, the 39th largest of 43 banks headquartered in South Carolina. It reports no CET1 ratio; its Tier 1 leverage ratio was 31.47% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 29238
- Headquarters
- Woodruff, SC
- Established
- 1934
- Total assets, Q2 2026
- $104.2M
- Assets vs Q2 2025
- +7.7%
- Tier 1 leverage ratio, Q2 2026
- 31.47%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 253272533
- Latest call report
- Q2 2026, FFIEC 051 · Woodruff Federal Savings and Loan Association call report
- Asset rank in state
- 39th of 43 in South Carolina
Woodruff Federal Savings and Loan Association spends more to run itself than most banks of its size. It reported $104 million in assets at June 30, 2026, up 7.7% from a year earlier. It earns about $0.33 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 83 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Earnings jumped: net income for the quarter was $87,000, 61% above the same quarter a year earlier. Over the same year, loans grew 2.7% and deposits grew 11.7%. Its margin is thin by comparison: it keeps 2.23 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.95 cents).
As of June 30, 2026, Woodruff Federal Savings and Loan Association reported a return on assets of 0.33%, a nonperforming-loan ratio of 0.42% and a Texas ratio of 0.80%. The figures come from its call report filed with the FFIEC.
Woodruff Federal Savings and Loan Association ranks as the 39th largest of the 43 banks based in South Carolina, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.4% to $104.2M, loans rose 1.7% and deposits rose 3.6%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 80.6% of total loans, ahead of multifamily loans at 14.6%. The FDIC Summary of Deposits lists a single office for it, in Woodruff, SC. On its Q2 2026 call report, Woodruff Federal Savings and Loan Association meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 247 N Main St, Woodruff, SC 29388
- County
- Spartanburg
- Metro Area
- Spartanburg, SC
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- —
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- December 14, 1934
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 10
- Domestic deposits
- $69.0M
- Allowance for credit losses
- $700K
- Net charge-offs (YTD)
- $0
- Average total assets
- $106.3M
- Average total loans
- $65.3M
- Average interest-bearing deposits
- $67.7M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29238
- Fed RSSD
- 661474
- Website
- www.woodrufffederal.com →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Woodruff Federal Savings and Loan Association reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Woodruff Federal Savings and Loan Association's total assets ranged from $93.7M (Q1 2024) to $104.2M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$104.2M total assets against $96.7M; $70.5M total liabilities against $63.3M.
$65.0M net loans and leases against $63.2M; $69.0M total deposits against $61.8M.
$15.6M securities against $14.5M; $15.7M cash and balances due against $11.0M.
$1.1M total interest income against $986K; $539K total interest expense against $474K.
$530K net interest income against $512K.
$37K total noninterest income against $38K; $470K total noninterest expense against $490K.
No provision recorded in the last 12 quarters.
$87K net income against $54K.
0.33% return on assets against 0.22%; 2.23% net interest margin against 2.30%.
31.47% tier 1 leverage ratio against 33.02%.
Inside the full Woodruff Federal Savings and Loan Association terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWoodruff Federal Savings and Loan Association rankings
Its closest position to the top of a national ranking is 2,801 of 3,640, for Texas Ratio; its furthest is 3,383 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.06% (Q3 2024) to 0.34% (Q3 2025) and its net interest margin ran from 2.01% (Q3 2024) to 2.36% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 31.47% | 0.33% | 0.42% | 0.80% | 2.23% |
| Q1 2026 | 32.32% | 0.31% | 0.68% | 1.28% | 2.30% |
| Q4 2025 | 33.13% | 0.28% | 1.06% | 2.01% | 2.25% |
| Q3 2025 | 33.19% | 0.34% | 0.75% | 1.42% | 2.36% |
| Q2 2025 | 33.02% | 0.22% | 0.41% | 0.77% | 2.30% |
| Q1 2025 | 33.26% | 0.26% | 0.40% | 0.73% | 2.26% |
| Q4 2024 | 32.83% | 0.27% | 0.41% | 0.74% | 2.26% |
| Q3 2024 | 32.45% | 0.06% | 0.64% | 1.14% | 2.01% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Woodruff Federal Savings and Loan Association (main office) | Woodruff , SC | 29388 | $69.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in SC, rank 66 of 73 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Woodruff Federal Savings and Loan Association
What are Woodruff Federal Savings and Loan Association's total assets?
As of the Q2 2026 filing, Woodruff Federal Savings and Loan Association reported total assets of $104.2 million in its FFIEC call report.
Where is Woodruff Federal Savings and Loan Association headquartered?
It is headquartered in Woodruff, SC, United States.
When was Woodruff Federal Savings and Loan Association founded?
It was established in 1934, per the FDIC institution directory.
Is Woodruff Federal Savings and Loan Association FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #29238). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Woodruff Federal Savings and Loan Association?
Woodruff Federal Savings and Loan Association's primary federal regulator is the OCC.
How many branches does Woodruff Federal Savings and Loan Association operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Woodruff Federal Savings and Loan Association's Texas Ratio?
Its Texas Ratio is 0.80% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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