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This institution is no longer active

Operations ceased on July 16, 2010. CRA examination history below reflects the period it was active.

WOODLANDS BANK

BLUFFTON, SC · Supervised by OTS

Est. 1987FDIC #32,571
Satisfactory Same

Current rating · Exam: October 2007

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Institution Profile

FDIC BankFind

Address

27 Towne Drive, BLUFFTON, SC

County

Beaufort County

Established

November 4, 1987

Total Assets

$383M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

October 15, 2007

Exam Type

Small Bank

Regulator

OTS
What is a CRA rating? →
⚠️This exam is 18 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)
Download Evaluation Report (PDF)

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202411283.93%6.25%
202314292.96%2.82%
202220887.98%4.33%
202129487.76%4.08%
202031190.35%5.47%
201924586.53%6.12%
201823285.78%9.48%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

5 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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