OCONEE FEDERAL SAVINGS AND LOAN ASSOCIATION

SENECA, SC | Medium | Est. Feb. 14, 1924, midnight | FDIC #30111 | RSSD #853671 | OCC
Latest Report: 2025-12-31

OCONEE FEDERAL SAVINGS AND LOAN ASSOCIATION is amn medium FDIC-insured commercial bank headquartered in SENECA, SC, established in Feb. 14, 1924, midnight. As of 2025-12-31, the bank reported total assets of $664M and total deposits of $557M. Profitability stands at 0.72% ROA and 5.80% ROE, with a net interest margin of 2.85%. The bank's CET1 capital ratio is 24.55%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.21% and a Texas Ratio of 1.19%. FDIC Certificate #30111.

Assets

$664M

Deposits

$557M

Loans

$485M

Equity

$81M

Profitability

Return on Assets (ROA) 0.72%
Return on Equity (ROE) 5.80%
Net Interest Margin (NIM) 2.85%
Yield on Assets 4.75%
Cost of Funds 2.02%

Asset Quality

NPL Ratio 0.21%
Net Charge-Off Ratio 0.00%
Texas Ratio 1.19%
NPA Ratio 0.15%
ACL / Loans 0.71%

Capital & Liquidity

CET1 Ratio 24.55%
Tier 1 Capital 24.55%
Total Capital Ratio 25.58%
Leverage Ratio 13.35%
Loan-to-Deposit 87.14%

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