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Oconee Federal Savings and Loan Association

Seneca, SC · Cert 30111 · Oconee Federal MHC

State savings bank · OCC · 8 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating regionally3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating regionally (n=94). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

92

Q2 2024Q2 2026peer median (50)

Asset Quality

72

Q2 2024Q2 2026peer median (50)

Profitability

14

Q2 2024Q2 2026peer median (50)

Liquidity

83

Q2 2024Q2 2026peer median

Efficiency

56

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Oconee Federal Savings and Loan Association

Seneca, SC · Cert 30111 · Oconee Federal MHC

State savings bank · OCC · 8 branches

Q2 2026

$679.4MAssets
$499.4MLoans
$571.2MDeposits
$83.2MEquity
Loan mix
99%RE $487.2M0%C&I $1.9M1%Consumer $2.6MQ2 2025Q2 2026
Deposit mix
85%Interest-bearing $485.1M15%Noninterest $86.0MQ2 2025Q2 2026

NIM

3.86%Q2 ’244.19%Q2 ’254.32%Q2 ’26+24%+10%

Non-interest income vs. expense

1.83%Q2 ’241.84%Q2 ’251.78%Q2 ’26+831%-1%

Market Position · Greenville-Anderson-Greer, SC · 2026 SOD (annual) · 0.1% share · #33 of 40 inst. · $0.0B of $26.1B

23.0% Oconee
17.7% Stephens
6.7% Rabun
1.2% Pickens

Executive Summary

  • Earnings: ROA of 0.76%, unchanged from a year ago; NIM at 2.70%.
  • Asset quality: problem loans at 0.33% of loans (+7 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 13.55%, down 2 bps from a year ago.
  • Funding: loans stand at 87.44% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.76%0 bps YoY

Net Interest Margin (YTD, annualized)

2.70%+25 bps YoY

Efficiency Ratio (YTD, annualized)

61.11%-654 bps YoY

Tier 1 Leverage Ratio

13.55%-2 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.76%0.78%0.76%0.70%0.76%0 bps
Return on Equity6.51%6.49%6.34%5.70%6.18%-33 bps
Net Interest Margin2.45%2.46%2.50%2.68%2.70%+25 bps
Efficiency Ratio67.64%67.36%66.48%61.94%61.11%-654 bps
Non-Interest Burden1.57%1.57%1.57%1.57%1.56%-1 bps
Growth
Asset Growth (YoY)0.34%-0.27%0.70%0.70%1.48%+114 bps
Loan Growth (YoY)1.94%2.67%2.05%2.06%3.57%+164 bps
Deposit Growth (YoY)2.59%3.06%4.83%4.28%4.19%+160 bps
Asset Quality
Nonperforming Loans / Loans0.26%0.25%0.21%0.18%0.33%+7 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.70%0.71%0.71%0.71%0.75%+4 bps
Allowance Coverage of NPLs2.7x2.8x3.4x3.9x2.3x-0.4x
Capital
Tier 1 Leverage Ratio13.57%13.74%13.35%13.49%13.55%-2 bps
Total Risk-Based Capital25.85%26.29%25.58%25.42%25.12%-73 bps
Equity / Assets12.04%12.63%12.25%12.36%12.25%+21 bps
Liquidity & Funding
Loans / Deposits87.95%89.22%87.14%87.72%87.44%-52 bps
Liquid Assets / Assets2.42%0.70%0.62%0.63%1.25%-117 bps
CRE / Total Capitaln/a87.06%88.90%96.74%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Oconee Federal Savings and Loan Association

Seneca, SC · Cert 30111 · Peer group: banks under $1B in assets operating regionally (n=94) · Oconee Federal MHC

State savings bank · OCC · 8 branches

Q2 2026

$679.4MAssets
$499.4MLoans
$571.2MDeposits
$83.2MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 96% of banks under $1B in assets operating regionally (rank 4 of 94).
  • Widest gap: net interest margin trails 98% of banks under $1B in assets operating regionally (rank 92 of 94).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

0.75%

Rank 75 of 94

Net Interest Margin

2.70%

Rank 92 of 94

Efficiency Ratio

61.18%

Rank 42 of 94

Equity / Assets

12.25%

Rank 14 of 94

Non-interest income vs. expense

$1.5M$12.2MINCOMEEXPENSE
Unfavorable gap of $10.7M · efficiency ratio beats 56% of banks under $1B in assets operating regionally
Bank 61.18%Peer median 62.4%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.75%0.82%1.19%1.46%Beats 20%75 / 94
Return on Equity6.10%7.85%11.84%14.03%Beats 20%75 / 94
Net Interest Margin2.70%3.42%3.81%4.18%Beats 2%92 / 94
Efficiency Ratio61.18%55.99%62.41%73.02%Beats 56%42 / 94
Asset Quality
Nonperforming Loans / Loans0.33%0.19%0.47%1.14%Beats 57%41 / 94
Net Charge-Offs / Loans0.00%0.00%0.02%0.05%Beats 87%17 / 94
Capital
Tier 1 Capital Ratio24.07%10.28%11.95%15.07%Beats 96%4 / 94
Total Risk-Based Capital Ratio25.12%10.31%12.59%15.88%Beats 96%4 / 94
Equity / Assets12.25%8.98%10.21%11.41%Beats 85%14 / 94
Liquidity & Funding
Loans / Deposits87.44%72.62%84.44%94.55%60th pctl38 / 94
Loans / Assets73.51%62.50%72.84%78.99%55th pctl42 / 94
Brokered Deposits / Depositsn/aNot reported for this institution