Advertisement
Oconee Federal Savings And Loan Association
Seneca, SC · FDIC Certificate #30111 · Chartered 02/1
Total assets
$679.38M
Total deposits
$571.15M
Total equity
$83.25M
Net loans
$495.66M
Branches (offices)
8
Net income (YTD)
$2.54M
Rank: #1,400 of 4,213 U.S. banks by assets · #19 of 43 in South Carolina. Assets changed 1.5% and deposits 4.2% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.76% |
| Return on equity | 6.18% |
| Net interest margin (YTD) | 2.98% |
| Equity to assets | 12.25% |
| Tier 1 leverage ratio | 13.55% |
| Uninsured deposits (share of deposits) | 16.4% |
| Noncurrent loans (share of loans) | 0.33% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 86.8% |
| Real estate loans (share of loans) | 99.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $495.07M | 99.9% | |
| Commercial & industrial | $1.60M | 0.3% | |
| Consumer / individual | $2.72M | 0.5% | |
| Construction & development | $44.71M | 9.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $546.83M | $461.94M | $2.18M | $74.50M |
| Jun 2023 | $596.62M | $478.31M | $1.02M | $68.60M |
| Jun 2024 | $667.16M | $534.38M | $5.76M | $72.50M |
| Jun 2025 | $669.44M | $548.20M | $2.53M | $80.63M |
| Jun 2026 | $679.38M | $571.15M | $2.54M | $83.25M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| South Carolina | $445.95M | 6 |
| Georgia | $125.20M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $571.15M.
Similar-sized banks
The Community Bank ($680.08M) · First Southern Bank ($679.15M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
Advertisement