Total Assets
$98M
Total balance-sheet footings
FDIC Cert #29238 · Woodruff, South Carolina · Est. 1934
Woodruff Federal Savings and Loan Association - FDIC Bank Health Profile
A community-scale look at Woodruff Federal Savings and Loan Association's own numbers, pulled straight from its quarterly FDIC Call Report.
- $98M
- Total assets
- B
- Health grade · Good
- 0.28%
- Return on assets
- 33.1%
- Tier 1 capital
Data updated July 2026
The verdict
Woodruff Federal Savings and Loan Association earns a PlainBankData health grade of B (67/100), with well-capitalized at 33.13% Tier 1, 0.28% ROA, 87% efficiency ratio.
- #3,752
- largest of 4,313 FDIC banks by assets
- 13th
- percentile by asset size, nationally
- 33.13%
- Tier 1 ratio - above the 10% well-capitalized line
- 10th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Woodruff Federal Savings and Loan Association's 67/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Woodruff Federal Savings and Loan Association's composite health score
Tier 1 Capital Ratio (33.13%) 40/40
Return on Assets (ROA) (0.28%) 7/25
Texas Ratio (2.01%) 20/20
Efficiency Ratio (86.59%) 0/15
67 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$63M
Customer-funded liabilities
Net Loans
$64M
Outstanding loan book
Net Income
$274K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Woodruff Federal Savings and Loan Association ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Woodruff Federal Savings and Loan Association's score of 67/100 falls in the highlighted band.
Woodruff Federal Savings and Loan Association's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Woodruff Federal Savings and Loan Association's $98M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
33.13% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
33.13%
Texas Ratio
2.01%
Equity Capital
$34M
Profitability metrics
Return on Assets (ROA)
10th percentile nationally
0.28%
Return on Equity (ROE)
0.82%
Efficiency Ratio
86.59%
What the numbers say about Woodruff Federal Savings and Loan Association
Woodruff Federal Savings and Loan Association is an FDIC-insured institution (Certificate #29238) headquartered in Woodruff, South Carolina, established in 1934. It holds $98M in total assets - 3,752nd of 4,313 FDIC-insured banks, $63M in customer deposits, and $64M in net loans. Its capital position: a Tier 1 ratio of 33.13%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 2.01% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (67 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Woodruff Federal Savings and Loan Association is a community-scale institution -- 40th of 43 FDIC-insured banks headquartered in South Carolina by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$4M
Interest Income
$144K
Non-Interest Income
$2M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Woodruff Federal Savings and Loan Association reports a Texas Ratio of 2.01% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
2.01% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in South Carolina by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Woodruff Federal Savings and Loan Association (FDIC Cert #29238) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in South Carolina
All South Carolina banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| United Community BankGreenville | $27.9B | A | 1.19% |
| Southern First BankGreenville | $4.4B | B | 0.75% |
| Coastal States BankHilton Head Island | $2.3B | A | 1.17% |
| Anderson Brothers BankMullins | $2.2B | A | 1.38% |
| First Community BankLexington | $2.1B | A | 1.07% |
| The Conway National BankConway | $1.9B | A | 1.23% |
| South Atlantic BankMyrtle Beach | $1.9B | B | 0.93% |
| Bank of Travelers RestTravelers Rest | $1.6B | A | 1.44% |
Frequently asked questions
What is Woodruff Federal Savings and Loan Association's health grade?▼
Woodruff Federal Savings and Loan Association receives a health grade of B (67/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Woodruff Federal Savings and Loan Association?▼
Woodruff Federal Savings and Loan Association holds $98M in total assets and $63M in deposits, ranking 3,752nd of 4,313 FDIC-insured banks by asset size. It is headquartered in Woodruff, South Carolina.
Is my money safe at Woodruff Federal Savings and Loan Association?▼
Yes, deposits at Woodruff Federal Savings and Loan Association (Certificate #29238) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Woodruff Federal Savings and Loan Association's Tier 1 Capital Ratio?▼
Woodruff Federal Savings and Loan Association has a Tier 1 Capital Ratio of 33.13%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Woodruff Federal Savings and Loan Association?▼
Woodruff Federal Savings and Loan Association has a Texas Ratio of 2.01%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Woodruff Federal Savings and Loan Association?▼
Woodruff Federal Savings and Loan Association has an Efficiency Ratio of 86.59%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Woodruff Federal Savings and Loan Association's profile as a depositor or analyst.
- Woodruff Federal Savings and Loan Association's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Woodruff Federal Savings and Loan Association against other South Carolina banks before moving funds. South Carolina banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.