WOODRUFF FS&LA
WOODRUFF, SOUTH CAROLINA · FDIC Cert #29238
Capital & Safety Analysis
According to FDIC financial data, WOODRUFF FS&LA holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject WOODRUFF FS&LA to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
WOODRUFF FS&LA shows average financial health. While not alarming, its Health Score of 53/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
WOODRUFF FS&LA has a Bank Health Score of C (53/100). It holds a Tier 1 capital ratio of 0.00%, which is below the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
WOODRUFF FS&LA holds $97M in total assets and $62M in total deposits. It is located in WOODRUFF, SOUTH CAROLINA (FDIC Certificate #29238).
WOODRUFF FS&LA has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." The nonperforming loan ratio is 0.67%, and the return on assets is 0.10%.
Yes. WOODRUFF FS&LA is FDIC-insured (Certificate #29238). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.