Seneca, SC · Cert 30111 · Oconee Federal MHC
State savings bank · OCC · 8 branches
Q2 2026
Market Position · Greenville-Anderson-Greer, SC · 2026 SOD (annual) · 0.1% share · #33 of 40 inst. · $0.0B of $26.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.49% | 0.62% | 0.63% | 0.90% | 0.80% | 0.72% | 0.70% | 0.82% | -8 bps | |
| Return on Equity | 4.31% | 5.35% | 5.44% | 7.52% | 6.45% | 5.80% | 5.70% | 6.66% | -86 bps | |
| Net Interest Margin | 2.13% | 2.25% | 2.40% | 2.51% | 2.49% | 2.58% | 2.68% | 2.75% | +25 bps | |
| Efficiency Ratio | 73.15% | 72.27% | 70.60% | 64.90% | 66.79% | 63.89% | 61.94% | 60.30% | -460 bps | |
| Non-Interest Burden | 1.50% | 1.57% | 1.62% | 1.51% | 1.58% | 1.57% | 1.57% | 1.57% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.51% | 7.32% | -0.64% | 0.34% | -0.27% | 0.70% | 0.70% | 1.48% | +114 bps | |
| Loan Growth (YoY) | 12.66% | 10.90% | 1.85% | 1.94% | 2.67% | 2.05% | 2.06% | 3.57% | +164 bps | |
| Deposit Growth (YoY) | 11.09% | 9.25% | 1.35% | 2.59% | 3.06% | 4.83% | 4.28% | 4.19% | +160 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.35% | 0.36% | 0.20% | 0.26% | 0.25% | 0.21% | 0.18% | 0.33% | +7 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.70% | 0.68% | 0.69% | 0.70% | 0.71% | 0.71% | 0.71% | 0.75% | +4 bps | |
| Allowance Coverage of NPLs | 2.0x | 1.9x | 3.5x | 2.7x | 2.8x | 3.4x | 3.9x | 2.3x | -0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.04% | 13.22% | 13.32% | 13.57% | 13.74% | 13.35% | 13.49% | 13.55% | -2 bps | |
| Total Risk-Based Capital | 25.68% | 25.53% | 25.64% | 25.85% | 26.29% | 25.58% | 25.42% | 25.12% | -73 bps | |
| Equity / Assets | 11.72% | 11.31% | 11.85% | 12.04% | 12.63% | 12.25% | 12.36% | 12.25% | +21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.56% | 89.51% | 89.62% | 87.95% | 89.22% | 87.14% | 87.72% | 87.44% | -52 bps | |
| Liquid Assets / Assets | 1.15% | 1.44% | 0.71% | 2.42% | 0.70% | 0.62% | 0.63% | 1.25% | -117 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 87.06% | 88.90% | 96.74% | n/a | n/a | |