Headquartered in Woodruff, South Carolina, Woodruff Federal Savings and Loan Association is a savings bank with $104.2M in total assets and $69.0M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1934.
Based on its Q2 2026 filing, Woodruff Federal Savings and Loan Association scores 78/100, which we describe as strong. That is higher than 72% of 2,650 banks with $100 million – $1 billion. Among 44 banks headquartered in South Carolina, it ranks 15th. Its strongest component is capital cushion (100/100; 31.47%), and its lowest is earnings (33/100; 0.33%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 2 points (76 → 78), mostly because the funding & liquidity component improved by 8 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 74 |
| Q3 2024 | 74 |
| Q4 2024 | 76 |
| Q1 2025 | 77 |
| Q2 2025 | 76 |
| Q3 2025 | 73 |
| Q4 2025 | 71 |
| Q1 2026 | 75 |
| Q2 2026 | 78 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 33.66% |
| Q3 2024 | 32.45% |
| Q4 2024 | 32.83% |
| Q1 2025 | 33.26% |
| Q2 2025 | 33.02% |
| Q3 2025 | 33.19% |
| Q4 2025 | 33.13% |
| Q1 2026 | 32.32% |
| Q2 2026 | 31.47% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.67% |
| Q3 2024 | 0.64% |
| Q4 2024 | 0.41% |
| Q1 2025 | 0.40% |
| Q2 2025 | 0.41% |
| Q3 2025 | 0.75% |
| Q4 2025 | 1.06% |
| Q1 2026 | 0.68% |
| Q2 2026 | 0.42% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.17% |
| Q3 2024 | 0.13% |
| Q4 2024 | 0.17% |
| Q1 2025 | 0.27% |
| Q2 2025 | 0.25% |
| Q3 2025 | 0.28% |
| Q4 2025 | 0.28% |
| Q1 2026 | 0.32% |
| Q2 2026 | 0.33% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 78 | $104.2M | 31.47% | 0.42% | 0.33% | 94.1% |
| Q1 2026 | 75 | $101.7M | 32.32% | 0.68% | 0.32% | 95.9% |
| Q4 2025 | 71 | $98.0M | 33.13% | 1.06% | 0.28% | 102.0% |
| Q3 2025 | 73 | $97.7M | 33.19% | 0.75% | 0.28% | 102.4% |
| Q2 2025 | 76 | $96.7M | 33.02% | 0.41% | 0.25% | 102.3% |
| Q1 2025 | 77 | $96.6M | 33.26% | 0.40% | 0.27% | 99.4% |
| Q4 2024 | 76 | $95.6M | 32.83% | 0.41% | 0.17% | 99.6% |
| Q3 2024 | 74 | $98.5M | 32.45% | 0.64% | 0.13% | 93.9% |
| Q2 2024 | 74 | $96.8M | 33.66% | 0.67% | 0.17% | 94.9% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in South Carolina
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Dedicated Community BankBank Darlington, SC | 65 out of 100, Moderate | $100.6M | 9.3% | 0.47% | vs |
| Pickens Savings and Loan Association, FABank Pickens, SC | 75 out of 100, Strong | $138.3M | 10.9% | 0.00% | vs |
| Abbeville First Bank, SSBBank Abbeville, SC | 64 out of 100, Moderate | $138.8M | 10.4% | 0.81% | vs |
| 1st Federal Savings Bank of SC, Inc.Bank Walterboro, SC | 68 out of 100, Moderate | $151.6M | 9.7% | 0.00% | vs |
| Spratt Savings BankBank Chester, SC | 82 out of 100, Strong | $154.4M | 20.4% | 0.23% | vs |
| Bank of GreeleyvilleBank Greeleyville, SC | 75 out of 100, Strong | $160.1M | 10.6% | 0.38% | vs |
Deposit insurance
Is my money safe at Woodruff Federal Savings and Loan Association?
Yes. Woodruff Federal Savings and Loan Association is an FDIC-insured institution (FDIC certificate #29238). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 9.4% of deposits ($6.5M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 31.47%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
1 location
Branches
Woodruff Federal Savings and Loan Association lists 1 office in 1 city. Most locations:
- Woodruff, SC (1)
Identity & history
Profile
- Legal name
- Woodruff Federal Savings and Loan Association
- Type
- Savings bank
- FDIC certificate #
- 29238
- RSSD ID
- 661474
- Primary regulator
- OCC
- Established
- December 14, 1934
- Headquarters
- 247 N Main St, Woodruff, SC 29388
- Website
- www.woodrufffederal.com
- Employees
- 10
Quick answers
Woodruff Federal Savings and Loan Association: common questions
Is Woodruff Federal Savings and Loan Association FDIC insured?
Yes. Woodruff Federal Savings and Loan Association is an FDIC-insured institution (FDIC certificate #29238). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Woodruff Federal Savings and Loan Association's TellerScore?
78 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Woodruff Federal Savings and Loan Association ever failed?
There is no failure record for FDIC certificate #29238 in the FDIC failed bank list.
How many branches does Woodruff Federal Savings and Loan Association have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Woodruff
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| S. C. State Federal Credit UnionCredit union Columbia, SC | 91 out of 100, Very strong | $1.5B | 15.6% | 0.82% | vs |
| First Piedmont Federal Savings and Loan Association of GaffneyBank Gaffney, SC | 84 out of 100, Strong | $597.1M | 29.1% | 0.73% | vs |
| Greenville Heritage Federal Credit UnionCredit union Greenville, SC | 80 out of 100, Strong | $181.2M | 12.5% | 0.34% | vs |
| CBL State Savings BankBank Greer, SC | 80 out of 100, Strong | $191.3M | 15.9% | 0.01% | vs |
| Bank of Travelers RestBank Travelers Rest, SC | 79 out of 100, Strong | $1.6B | 10.3% | 0.12% | vs |
| Founders Federal Credit UnionCredit union Lancaster, SC | 79 out of 100, Strong | $5.2B | 13.6% | 0.68% | vs |