Woodruff Federal Savings and Loan Association: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
In Q2 2026, Net interest margin edged down by 0.07 percentage points, from 2.30% to 2.23%, the largest move among the key lines here. On net interest margin, Woodruff Federal Savings and Loan Association is 3rd from the bottom among 44 South Carolina banks, 2.23% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Woodruff Federal Savings and Loan Association sits 1.72 points lower, at 2.23% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.50% |
| Yield on loans | 5.04% |
| Yield on securities | 3.09% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.18% |
| Cost of interest-bearing deposits | 3.18% |
| Cost of interest-bearing liabilities | 3.18% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.23% |
| Yield to cost spread | 1.32% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $822K |
| Total interest expense | $539K |
| Interest expense on deposits | $539K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.26% | 2.59% | 2.47% | 4.20% | 2.81% |
| Q4 2023 | 4.21% | 2.78% | 2.30% | 4.34% | 2.09% |
| Q1 2024 | 4.23% | 2.81% | 2.29% | 4.40% | 2.23% |
| Q2 2024 | 4.26% | 3.01% | 2.18% | 4.43% | 2.24% |
| Q3 2024 | 4.32% | 3.31% | 2.01% | 4.46% | 2.39% |
| Q4 2024 | 4.52% | 3.27% | 2.26% | 4.89% | 2.66% |
| Q1 2025 | 4.35% | 3.02% | 2.26% | 4.76% | 2.66% |
| Q2 2025 | 4.43% | 3.07% | 2.30% | 4.81% | 2.86% |
| Q3 2025 | 4.55% | 3.14% | 2.36% | 4.95% | 2.77% |
| Q4 2025 | 4.47% | 3.19% | 2.25% | 4.90% | 2.83% |
| Q1 2026 | 4.56% | 3.17% | 2.30% | 5.00% | 3.08% |
| Q2 2026 | 4.50% | 3.18% | 2.23% | 5.04% | 3.09% |
Woodruff Federal Savings and Loan Association yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Woodruff Federal Savings and Loan Association, freeSource: Call Report Schedules RI and RC-K, 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)