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Woodruff Federal Savings and Loan Association

Woodruff, SC · Cert 29238

State savings bank · OCC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

96

Q2 2024Q2 2026peer median (50)

Asset Quality

75

Q2 2024Q2 2026peer median (50)

Profitability

6

Q2 2024Q2 2026peer median (50)

Liquidity

23

Q2 2024Q2 2026peer median

Efficiency

13

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Woodruff Federal Savings and Loan Association

Woodruff, SC · Cert 29238

State savings bank · OCC · 1 branch

Q2 2026

$104.2MAssets
$65.7MLoans
$69.0MDeposits
$33.7MEquity
Loan mix
100%RE $64.6M0%C&I $0.0M0%Consumer $0.0MQ3 2024Q2 2026
Deposit mix
100%Interest-bearing $69.0M0%Noninterest $0.0MQ3 2024Q2 2026

Market Position · Spartanburg, SC · 2026 SOD (annual) · 1.0% share · #15 of 22 inst. · $0.1B of $6.6B

Executive Summary

  • Earnings: ROA of 0.33%, up 8 bps year over year; NIM at 1.99%.
  • Asset quality: problem loans at 0.42% of loans (+1 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 31.47%, down 155 bps from a year ago.
  • Funding: loans stand at 95.08% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.33%+8 bps YoY

Net Interest Margin (YTD, annualized)

1.99%-4 bps YoY

Efficiency Ratio (YTD, annualized)

83.64%-503 bps YoY

Tier 1 Leverage Ratio

31.47%-155 bps YoY

NIM

3.77%Q2 ’243.88%Q2 ’253.96%Q2 ’26+2%-2%

Non-interest income vs. expense

2.02%Q2 ’241.92%Q2 ’251.77%Q2 ’26-6%-8%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.13%0.17%0.27%0.25%0.28%0.28%0.32%0.33%+8 bps
Return on Equity0.38%0.49%0.77%0.71%0.81%0.82%0.94%0.99%+28 bps
Net Interest Margin1.88%1.92%2.01%2.02%2.05%2.04%2.03%1.99%-4 bps
Efficiency Ratio96.93%94.73%88.25%88.67%87.06%86.59%84.41%83.64%-503 bps
Non-Interest Burden1.81%1.81%1.75%1.77%1.76%1.74%1.69%1.63%-14 bps
Growth
Asset Growth (YoY)2.60%-0.09%3.10%-0.05%-0.82%2.57%5.28%7.74%+779 bps
Loan Growth (YoY)6.03%4.26%4.19%7.46%7.41%6.53%4.18%2.68%-478 bps
Deposit Growth (YoY)3.59%-0.50%4.58%-0.26%-1.41%4.07%8.03%11.68%+1,194 bps
Asset Quality
Nonperforming Loans / Loans0.64%0.41%0.40%0.41%0.75%1.06%0.68%0.42%+1 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.16%1.14%1.13%1.09%1.08%1.07%1.08%1.07%-3 bps
Allowance Coverage of NPLs1.8x2.8x2.8x2.7x1.4x1.0x1.6x2.5x-0.2x
Capital
Tier 1 Leverage Ratio32.45%32.83%33.26%33.02%33.19%33.13%32.32%31.47%-155 bps
Total Risk-Based Capital32.45%32.83%33.26%33.02%33.19%33.13%32.32%31.47%-155 bps
Equity / Assets33.72%34.81%34.50%34.52%34.28%34.22%33.05%32.35%-217 bps
Liquidity & Funding
Loans / Deposits95.00%100.70%100.49%103.41%103.50%103.08%96.91%95.08%-833 bps
Liquid Assets / Assets30.97%27.73%27.82%25.68%25.70%25.29%28.71%29.08%+339 bps
CRE / Total Capitaln/an/an/an/a36.46%36.25%36.42%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Woodruff Federal Savings and Loan Association

Woodruff, SC · Cert 29238 · Peer group: banks under $1B in assets operating in a single state (n=743-746)

State savings bank · OCC · 1 branch

Q2 2026

$104.2MAssets
$65.7MLoans
$69.0MDeposits
$33.7MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
  • Widest gap: net interest margin trails 97% of banks under $1B in assets operating in a single state (rank 727 of 746).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.32%

Rank 664 of 746

Net Interest Margin

1.99%

Rank 727 of 746

Efficiency Ratio

83.64%

Rank 653 of 746

Equity / Assets

32.35%

Rank 11 of 746

Non-interest income vs. expense

$0.1M$1.9MINCOMEEXPENSE
Unfavorable gap of $1.7M · efficiency ratio beats 13% of banks under $1B in assets operating in a single state
Bank 83.64%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.32%0.72%1.06%1.45%Beats 11%664 / 746
Return on Equity0.98%6.74%10.51%13.63%Beats 5%705 / 746
Net Interest Margin1.99%3.17%3.68%4.16%Beats 3%727 / 746
Efficiency Ratio83.64%55.74%64.58%75.47%Beats 13%653 / 746
Asset Quality
Nonperforming Loans / Loans0.42%0.09%0.42%1.07%Beats 50%370 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 743
Capital
Tier 1 Capital Ratio31.47%11.55%13.75%17.60%Beats 95%34 / 746
Total Risk-Based Capital Ratio31.47%11.71%14.33%18.43%Beats 95%36 / 746
Equity / Assets32.35%8.90%10.51%13.06%Beats 99%11 / 746
Liquidity & Funding
Loans / Deposits95.08%61.31%78.27%90.78%84th pctl120 / 746
Loans / Assets62.99%53.60%66.97%76.08%41st pctl441 / 746
Brokered Deposits / Depositsn/aNot reported for this institution