Woodruff Federal Savings and Loan Association

Overview / Commentary
247 North Main Street
Woodruff, SC 29388

Woodruff Federal Savings and Loan Association is headquartered in WOODRUFF and is the 40th largest bank in the state of South Carolina. It is also the 3,945th largest bank in the nation. It was established in 1934 and as of March of 2023, it had grown to 11 employees at 1 location. Woodruff Federal Savings and Loan Association has a B+ health rating.


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Woodruff Federal Savings and Loan Association has a relatively low asset base.

Health Grade Components

FDIC Certificate #29238
Year Established1934
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.39%
Return on Equity - YTD1.12%
Annual Interest Income$854.00K
Assets and Liabilities
AssetsQ1 2023vs Q1 2022$95.7MM$101.2MM
LoansQ1 2023vs Q1 2022$56.9MM$55.2MM
DepositsQ1 2023vs Q1 2022$61.0MM$67.0MM
Equity CapitalQ1 2023vs Q1 2022$33.0MM$32.6MM
Loan Loss AllowanceQ1 2023vs Q1 2022$569.00K$569.00K
Unbacked Noncurrent LoansQ1 2023vs Q1 2022$485.00K$619.00K
Real Estate OwnedQ1 2023vs Q1 2022$0$0

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Woodruff Federal Savings and Loan Association Locations
Woodruff Federal Savings and Loan Association247 N Main StWoodruff, SC 29388

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