Woodruff Federal Savings and Loan Association

Woodruff Federal Savings and Loan Association is an FDIC insured institution headquartered at 247 N Main St, Woodruff, SC 29388.
It was founded in 1934 and has approximately $0 billion in assets. Customers can open an account at one of its 1 branches.

Deposit Rates - August 24, 2026

CD RATES	APY	MIN
6 Mo CD	4.04%	$1,000	Compare
12 Mo CD	3.34%	$1,000	Compare
18 Mo CD	3.24%	$1,000	Compare
24 Mo CD	3.14%	$1,000	Compare
36 Mo CD	2.73%	$1,000	Compare
48 Mo CD	3.19%	$1,000	Compare

FIXED IRA RATES	APY	MIN
18 Mo FIRA	3.24%	$1,000

Overview 2026

General Bank Information

FDIC Insured	Yes
FDIC Certificate	# 29238
Date Established	1934
Assets	$ 98.04 million
Loans	$ 64.46 million
Deposits	$ 63.21 million
Capital	$ 33.55 million

Summary Balance Sheet as of December 31, 2025

ASSETS
Cash & Balances due from depository institutions	$ 12.34 million
Interest-bearing balances	$ 11.50 million
Total securities	$ 13.30 million
Federal funds sold and reverse repurchase	N.A.
Net loans and leases	$ 64.46 million
Loan loss allowance	$ 0.70 million
Trading account assets	N.A.
Bank premises and fixed assets	N.A.
Other real estate owned	N.A.
Goodwill and other intangibles	N.A.
All other assets	$ 8.38 million
Total Assets	$ 64.49 million

LIABILITIES
Total deposits	$ 63.21 million
Interest-bearing deposits	$ 63.21 million
Deposits held in domestic offices	$ 63.21 million
% insured (estimated)"	93.03%
Federal funds purchased and repurchase agreements	N.A.
Trading liabilities	N.A.
Other borrowed funds	N.A.
Subordinated debt	N.A.
All other liabilities	$ 1.56 millionn
Total Liabilities	$ 64.49 million
Shareholders’ Equity	$ 33.55 million

Summary Income Statement as of December 31, 2025

INCOME AND EXPENSES
Total Interest Income	$ 3.97 million
Total Interest Expense	$ 1.92 million
Net interest income	$ 2.04 million
Provision for loan and lease losses	N.A.
Total non interest income	$ 0.14 million
Total non interest expense	$ 1.89 million
Pre-tax Net Operating Income	$ 0.11 million

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