Woodruff Federal Savings and Loan Association: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Core deposits to total deposits: 3.51 percentage points lower than in Q1 2026, at 73.67%. Within South Carolina, Woodruff Federal Savings and Loan Association is 6th of 44 on loan-to-deposit ratio, 95.08% as of Q2 2026, above the middle of the field. Woodruff Federal Savings and Loan Association reported 95.08% on loan-to-deposit ratio for Q2 2026, 14.24 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $15.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $31.3M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.08% |
| Net loans and leases to deposits | 94.07% |
| Loans and leases to core deposits | 129.07% |
| Core deposits to total deposits | 73.67% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 92.82% | 82.37% | $0 | $0 |
| Q4 2023 | 96.10% | 82.95% | $0 | $0 |
| Q1 2024 | 100.87% | 82.68% | $0 | $0 |
| Q2 2024 | 95.98% | 81.45% | $0 | $0 |
| Q3 2024 | 95.00% | 81.58% | $0 | $0 |
| Q4 2024 | 100.70% | 79.88% | $0 | $0 |
| Q1 2025 | 100.49% | 78.65% | $0 | $0 |
| Q2 2025 | 103.41% | 78.54% | $0 | $0 |
| Q3 2025 | 103.50% | 78.21% | $0 | $0 |
| Q4 2025 | 103.08% | 77.96% | $0 | $0 |
| Q1 2026 | 96.91% | 77.18% | $0 | $0 |
| Q2 2026 | 95.08% | 73.67% | $0 | $0 |
Woodruff Federal Savings and Loan Association liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Woodruff Federal Savings and Loan Association, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Woodruff Federal Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29238) · FFIEC NIC profile (RSSD 661474)