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
Unfavorable gap of $10.7M · efficiency ratio beats 56% of banks under $1B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.75% | 0.82% | 1.19% | 1.46% | Beats 20% | 75 / 94 | |
| Return on Equity | 6.10% | 7.85% | 11.84% | 14.03% | Beats 20% | 75 / 94 | |
| Net Interest Margin | 2.70% | 3.42% | 3.81% | 4.18% | Beats 2% | 92 / 94 | |
| Efficiency Ratio | 61.18% | 55.99% | 62.41% | 73.02% | Beats 56% | 42 / 94 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.33% | 0.19% | 0.47% | 1.14% | Beats 57% | 41 / 94 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.05% | Beats 87% | 17 / 94 | |
| Capital |
| Tier 1 Capital Ratio | 24.07% | 10.28% | 11.95% | 15.07% | Beats 96% | 4 / 94 | |
| Total Risk-Based Capital Ratio | 25.12% | 10.31% | 12.59% | 15.88% | Beats 96% | 4 / 94 | |
| Equity / Assets | 12.25% | 8.98% | 10.21% | 11.41% | Beats 85% | 14 / 94 | |
| Liquidity & Funding |
| Loans / Deposits | 87.44% | 72.62% | 84.44% | 94.55% | 60th pctl | 38 / 94 | |
| Loans / Assets | 73.51% | 62.50% | 72.84% | 78.99% | 55th pctl | 42 / 94 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |