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
Unfavorable gap of $1.7M · efficiency ratio beats 13% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.32% | 0.72% | 1.06% | 1.45% | Beats 11% | 664 / 746 | |
| Return on Equity | 0.98% | 6.74% | 10.51% | 13.63% | Beats 5% | 705 / 746 | |
| Net Interest Margin | 1.99% | 3.17% | 3.68% | 4.16% | Beats 3% | 727 / 746 | |
| Efficiency Ratio | 83.64% | 55.74% | 64.58% | 75.47% | Beats 13% | 653 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.42% | 0.09% | 0.42% | 1.07% | Beats 50% | 370 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 31.47% | 11.55% | 13.75% | 17.60% | Beats 95% | 34 / 746 | |
| Total Risk-Based Capital Ratio | 31.47% | 11.71% | 14.33% | 18.43% | Beats 95% | 36 / 746 | |
| Equity / Assets | 32.35% | 8.90% | 10.51% | 13.06% | Beats 99% | 11 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 95.08% | 61.31% | 78.27% | 90.78% | 84th pctl | 120 / 746 | |
| Loans / Assets | 62.99% | 53.60% | 66.97% | 76.08% | 41st pctl | 441 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |