Woodruff Fs&La
Woodruff, South Carolina · FDIC Cert #29238
Woodruff Fs&La is an FDIC-insured bank (Certificate #29238) with $97M in total assets and $62M in total deposits as of the Q2 2024 Call Report. Headquartered in Woodruff, South Carolina, the bank maintains a Tier 1 capital ratio of 0.00% (Critically Undercapitalized) and a nonperforming loan ratio of 0.67%. BankHealthData assigns a composite Health Grade of C (53/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Woodruff Fs&La (FDIC cert 29238) is a community bank — $97M in total assets, $62M in deposits, serving the Woodruff, South Carolina area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Tier 1 capital ratio is not disclosed in the most recent Call Report — unusual but possible for new institutions or those filing under specific regulatory exemptions. Asset quality is normal: non-performing loan ratio of 0.67% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is comfortable: 31.2% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is minimal: ROA of 0.10% indicates the bank is barely profitable on an assets basis. Multiple quarters of minimal profitability eventually challenge capital growth and regulatory standing. Health-score trend is mildly positive across the recent-quarters window. The directional signal is favorable but not dramatic. Woodruff Fs&La carries a composite BankHealth grade of C (53/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Woodruff Fs&La
- Total Assets
- $97M
- Total Deposits
- $62M
- Tier 1 Capital Ratio
- 0.00%
- Capital Status
- Critically Undercapitalized
- Nonperforming Loans
- 0.67%
- Liquidity Ratio
- 31.24%
- Return on Assets
- 0.10%
- Headquarters
- Woodruff, South Carolina
- FDIC Certificate
- #29238
- Health Grade
- C (53/100)
- Latest Call Report
- Q2 2024
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.
How Woodruff Fs&La Compares
Woodruff Fs&La’s Health Score of 53 is 21 points below the South Carolina state average of 74 across 38 FDIC-insured banks. Its 0.00% Tier 1 capital ratio is 14.0 points below the US banking industry average near 14%. The 0.67% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 0.10% is below the national ROA benchmark of ~1.1%. Among 1067 similarly-sized banks, the average Health Score is 68, meaning this bank ranks below its size cohort. Site-wide, Woodruff Fs&La is 17 points below the portfolio average of 70.
Frequently Asked Questions
Woodruff Fs&La has a Bank Health Score of C (53/100), placing it in average financial health. 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.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Woodruff Fs&La's Tier 1 capital ratio of 0.00% and nonperforming loan ratio of 0.67% indicate an average risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Woodruff Fs&La is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #29238). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Woodruff Fs&La holds $97M in total assets and $62M in total deposits. It is headquartered in Woodruff, South Carolina (FDIC Certificate #29238).
Woodruff Fs&La has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's 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 — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Woodruff Fs&La's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.