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Woodruff Federal Savings And Loan Association
Woodruff, SC · FDIC Certificate #29238 · Chartered 12/1
Total assets
$104.22M
Total deposits
$69.05M
Total equity
$33.72M
Net loans
$64.95M
Branches (offices)
1
Net income (YTD)
$166.00K
Rank: #3,649 of 4,213 U.S. banks by assets · #39 of 43 in South Carolina. Assets changed 7.7% and deposits 11.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.33% |
| Return on equity | 0.99% |
| Net interest margin (YTD) | 2.27% |
| Equity to assets | 32.35% |
| Tier 1 leverage ratio | 31.47% |
| Uninsured deposits (share of deposits) | 9.4% |
| Noncurrent loans (share of loans) | 0.42% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 94.1% |
| Real estate loans (share of loans) | 101.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $65.65M | 101.1% | |
| Commercial & industrial | $0 | 0.0% | |
| Consumer / individual | $0 | 0.0% | |
| Construction & development | $2.09M | 3.2% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $99.16M | $64.94M | $100.00K | $32.65M |
| Jun 2023 | $96.18M | $61.49M | $169.00K | $33.12M |
| Jun 2024 | $96.78M | $61.99M | $79.00K | $33.19M |
| Jun 2025 | $96.73M | $61.83M | $118.00K | $33.39M |
| Jun 2026 | $104.22M | $69.05M | $166.00K | $33.72M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| South Carolina | $69.05M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $69.05M.
Similar-sized banks
Clay County State Bank ($104.30M) · Strasburg State Bank ($104.17M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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