Woodruff Federal Savings and Loan Association: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 1.83 percentage points lower than in Q1 2026, at 95.08%. 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. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Woodruff Federal Savings and Loan Association sits 14.24 points higher, at 95.08% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $65.7M |
| Net loans and leases | $65.0M |
| Loans held for sale | $0 |
| Loans to total assets | 62.99% |
| Loan-to-deposit ratio | 95.08% |
| Net loans to equity capital | 1.93% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 1.66% |
| Multifamily (5+ residential) | 14.58% |
| Commercial and industrial | 0.00% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 37.48% |
| Construction concentration (Tier 1 capital + allowance) | 6.15% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.04% |
| Interest income on loans | $822K |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $56.9M | $61.3M | 2.61% | 0.00% | 0.00% |
| Q4 2023 | $58.7M | $61.0M | 2.36% | 0.00% | 0.00% |
| Q1 2024 | $59.5M | $59.0M | 2.25% | 0.00% | 0.00% |
| Q2 2024 | $59.5M | $62.0M | 2.19% | 0.00% | 0.00% |
| Q3 2024 | $60.3M | $63.5M | 2.09% | 0.00% | 0.00% |
| Q4 2024 | $61.2M | $60.7M | 3.11% | 0.00% | 0.00% |
| Q1 2025 | $62.0M | $61.7M | 2.80% | 0.00% | 0.00% |
| Q2 2025 | $63.9M | $61.8M | 2.42% | 0.00% | 0.00% |
| Q3 2025 | $64.8M | $62.6M | 2.22% | 0.00% | 0.00% |
| Q4 2025 | $65.2M | $63.2M | 1.99% | 0.00% | 0.00% |
| Q1 2026 | $64.6M | $66.6M | 1.79% | 0.00% | 0.00% |
| Q2 2026 | $65.7M | $69.0M | 1.66% | 0.00% | 0.00% |
Woodruff Federal Savings and Loan Association loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Woodruff Federal Savings and Loan Association, freeSource: Call Report Schedule RC-C, 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)