Woodruff Federal Savings and Loan Association
Woodruff, SC
IDRSSD: 661474
Total Assets
$97.66M
Latest filing
Total Deposits
$62.57M
Latest filing
Net Interest Margin
2.37%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Woodruff Federal Savings and Loan Association
247 N Main St
Woodruff, SC 29388
Full Service - Brick and Mortar
Updated 11/14/2025Established 12/14/1934FDIC Certificate 42072
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| Woodruff Federal Savings and Loan Association (Main) | 247 N Main St | Woodruff, SC | ||
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
Dedicated Community Bank
Darlington, South Carolina
→
Assets: $101.81MΔ +5.2%
Pickens Savings and Loan Association, FA
Pickens, South Carolina
→
Assets: $130.94MΔ +35.4%
Abbeville First Bank, SSB
Abbeville, South Carolina
→
Assets: $132.47MΔ +36.9%
Bank of Greeleyville
Greeleyville, South Carolina
→
Assets: $147.98MΔ +53.0%
Spratt Savings Bank
Chester, South Carolina
→
Assets: $148.00MΔ +53.0%
Home Federal Savings and Loan Association
Bamberg, South Carolina
→
Assets: $40.64MΔ -58.0%
Institution Profile
| Institution Class | Federal savings banks, federal charter, supervised by the OCC or (pre-2011) OTS |
| Primary Regulator | OCC |
| Established Date | 12/14/1934 |
| Community Bank | Yes |
| Ownership Type | Mutual |
| ZIP | 29388 |
| State and County Number | 45083 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 05 |
| Numeric code | 38 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Spartanburg, SC |
Operational Info
| Number of Employees | 10 |
| Domestic Offices | 1 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.woodrufffederal.com |
| Data Updated | 11/14/2025 |
| CERT | 29238 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $97.66M |
| Total Deposits | $62.57M |
| Total Liabilities | $64.19M |
| Total Equity Capital | $33.48M |
| Net Income | $85.00k |
| Net Loans and Leases | $64.06M |
| Assets Per Employee ($Millions) | $9.77M |
| Bank Premises and Fixed Assets | $739.00k |
| Cash and Balances due from Depository Institutions | $11.77M |
| Deposits Held in Domestic Offices | $62.57M |
Key Performance Ratios
| Return on Assets (ROA) | 0.35% |
| Return on Equity (ROE) | 1.02% |
| Net Interest Margin | 2.37% |
| Efficiency Ratio | 83.93% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 34.278% |
| Earning Assets to total Assets | 91.3% |
Income and Expense
| Total Interest Income | $1.01M |
| Total Noninterest Income | $35.00k |
| Total Interest Expense | $487.00k |
| Total Noninterest Expense | $470.00k |
| Net Interest Income | $525.00k |
| Pre-tax Net Operating Income | $90.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.62M |
| Total Liabilities and Capital | $97.66M |
Securities
| Securities | $13.95M |
| Available-for-sale debt securities | $0 |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $13.95M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Woodruff Federal Savings and Loan Association?
$97.66M as of the latest filing.
How much are Woodruff Federal Savings and Loan Association's total deposits?
$62.57M in total deposits.
Where is Woodruff Federal Savings and Loan Association located?
Woodruff, SC.
What is the Net Interest Margin?
2.37%.
How many domestic offices does it operate?
1.
When was it established?
12/14/1934.
What is the Return on Assets (ROA)?
0.35%.
How much are total loans and leases?
$64.06M (latest filing).
What is the total interest income (latest filing)?
$1.01M.