Woodruff Federal Savings and Loan Association: how it compares with its peers
Against 8 SC banks with half to twice its assets, Woodruff Federal Savings and Loan Association's strongest measure in Q2 2026 is assets per employee ($10.4M vs. a $6.8M peer median). Its weakest relative measure is net interest margin (2.27% vs. 4.03%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.33% | 0.65% | Bottom third Ahead of 25% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.27% | 4.03% | Bottom third Ahead of 13% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 83.64% | 78.29% | Middle third Ahead of 38% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.4M | $6.8M | Top third Ahead of 88% of peers |
| Loans to deposits Net loans and leases over total deposits. | 94.07% | 77.40% | Context |
What it means for lending operations
Its efficiency ratio of 83.64% is above the 78.29% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Dedicated Community Bank Darlington, SC · $101M
- Pickens Savings and Loan Association, FA Pickens, SC · $138M
- Abbeville First Bank, SSB Abbeville, SC · $139M
- 1st Federal Savings Bank of SC, Inc. Walterboro, SC · $152M
- Spratt Savings Bank Chester, SC · $154M
- Bank of Greeleyville Greeleyville, SC · $160M
Questions about Woodruff Federal Savings and Loan Association
How big is Woodruff Federal Savings and Loan Association?
Woodruff Federal Savings and Loan Association, established in 1934, is headquartered in Woodruff, SC. It reported $104M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Woodruff Federal Savings and Loan Association's return on assets?
0.33% annualized in Q2 2026, against a 0.65% median for 8 SC banks with half to twice its assets, ahead of 25% of them.
What is Woodruff Federal Savings and Loan Association's efficiency ratio?
83.64% in Q2 2026: it spent about 84 cents in noninterest expense for each dollar of revenue. The peer median is 78.29%, and lower is better.
Is Woodruff Federal Savings and Loan Association growing its loans?
Net loans grew 2.7% over the year to Q2 2026, while deposits grew 11.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are SC banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every South Carolina bank ranked.