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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

$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

3.96%Q2 ’244.24%Q2 ’254.36%Q2 ’26+21%+10%

Non-interest income vs. expense

1.77%Q2 ’241.83%Q2 ’251.79%Q2 ’26+60%+3%

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 0.82%, down 8 bps year over year; NIM at 2.75%.
  • 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 (quarter, annualized)

0.82%-8 bps YoY

Net Interest Margin (quarter, annualized)

2.75%+25 bps YoY

Efficiency Ratio (quarter, annualized)

60.30%-460 bps YoY

Tier 1 Leverage Ratio

13.55%-2 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.90%0.80%0.72%0.70%0.82%-8 bps
Return on Equity7.52%6.45%5.80%5.70%6.66%-86 bps
Net Interest Margin2.51%2.49%2.58%2.68%2.75%+25 bps
Efficiency Ratio64.90%66.79%63.89%61.94%60.30%-460 bps
Non-Interest Burden1.51%1.58%1.57%1.57%1.57%+5 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