Oconee Federal Savings and Loan Association
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Data as of · sourced from FFIEC call reports. How we update
Oconee Federal Savings and Loan Association is an FDIC-insured savings institution headquartered in Seneca, SC, established in 1924 (FDIC certificate 30111), and it is supervised by the OCC. At Q2 2026 it reported total assets of $679.4M, up 1.5% from Q2 2025, the 19th largest of 43 banks headquartered in South Carolina. Its CET1 capital ratio was 24.07% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 30111
- Headquarters
- Seneca, SC
- Established
- 1924
- Total assets, Q2 2026
- $679.4M
- Assets vs Q2 2025
- +1.5%
- CET1 ratio, Q2 2026
- 24.07%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 253272410
- Latest call report
- Q2 2026, FFIEC 051 · Oconee Federal Savings and Loan Association call report
- Holding company
- OCONEE FEDERAL FINANCIAL CORP.
- Asset rank in state
- 19th of 43 in South Carolina
Oconee Federal Savings and Loan Association, based in Seneca, South Carolina, reported $679 million in assets at June 30, 2026, up 1.5% from a year earlier. It keeps 2.94 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 3.96 cents). On the other hand, it holds common equity equal to 24.07% of its risk-weighted assets, higher than about three-quarters of banks its size (median 15.11%).
Unrealized losses on its securities total $16 million, equal to 17% of Tier 1 capital, against 19% a year earlier. Profitability lags: it returns 6.7% a year on shareholders' equity, about half the median of 12.6% for banks its size.
As of June 30, 2026, Oconee Federal Savings and Loan Association reported a CET1 capital ratio of 24.07%, a return on assets of 0.80%, a nonperforming-loan ratio of 0.33% and a Texas ratio of 1.93%. The figures come from its call report filed with the FFIEC.
Of the 43 banks headquartered in South Carolina, Oconee Federal Savings and Loan Association is the 19th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.2% to $679.4M, loans rose 1.5% and deposits rose 1.9%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 80.0% of total loans, ahead of construction and land development loans at 9.0%. The FDIC Summary of Deposits lists 8 offices for it, in 7 cities across 2 states; its Seneca 2 offices book 37% of its branch deposits. By the capital ratios in its Q2 2026 call report, Oconee Federal Savings and Loan Association meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 115 E North 2nd St, Seneca, SC 29678
- County
- Oconee
- Metro Area
- Seneca, SC
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- —
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- February 14, 1924
- Former names
- Oconee Savings and Loan Association (1958-1991)
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 71
- Domestic deposits
- $571.2M
- Allowance for credit losses
- $3.7M
- Net charge-offs (YTD)
- -$6K
- Average total assets
- $684.8M
- Average total loans
- $493.4M
- Average interest-bearing deposits
- $485.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 30111
- Fed RSSD
- 853671
- SEC CIK
- 1510461 → filed by OCONEE FEDERAL, MHC
- Website
- www.oconeefederal.com →
- Parent Holding Company
- OCONEE FEDERAL FINANCIAL CORP. (RSSD 4234063)
- Ultimate Parent
- OCONEE FEDERAL, MHC (RSSD 4234054)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Oconee Federal Savings and Loan Association's total assets ranged from $593.7M (Q3 2023) to $679.4M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$679.4M total assets against $669.4M; $596.1M total liabilities against $588.8M.
$495.7M net loans and leases against $478.8M; $571.2M total deposits against $548.2M.
$123.2M securities against $122.8M; $14.6M cash and balances due against $21.3M.
$7.5M total interest income against $7.2M; $2.8M total interest expense against $3.0M.
$4.7M net interest income against $4.2M.
$383K total noninterest income against $538K; $3.1M total noninterest expense against $3.1M.
$182K provision for credit losses against $0.
$1.4M net income against $1.5M.
0.80% return on assets against 0.88%; 2.94% net interest margin against 2.69%.
24.07% CET1 capital ratio against 24.83%; 13.55% tier 1 leverage ratio against 13.57%.
Inside the full Oconee Federal Savings and Loan Association terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeOconee Federal Savings and Loan Association rankings
Its closest position to the top of a national ranking is 179 of 2,134, for CET1 ratio; its furthest is 2,885 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.48% (Q3 2024) to 0.88% (Q2 2025) and its net interest margin ran from 2.28% (Q3 2024) to 2.94% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 24.07% | 0.80% | 0.33% | 1.93% | 2.94% |
| Q1 2026 | 24.39% | 0.69% | 0.18% | 1.07% | 2.86% |
| Q4 2025 | 24.55% | 0.71% | 0.21% | 1.23% | 2.75% |
| Q3 2025 | 25.26% | 0.78% | 0.25% | 1.45% | 2.66% |
| Q2 2025 | 24.83% | 0.88% | 0.26% | 1.54% | 2.69% |
| Q1 2025 | 24.62% | 0.61% | 0.20% | 1.21% | 2.57% |
| Q4 2024 | 24.53% | 0.60% | 0.36% | 2.28% | 2.41% |
| Q3 2024 | 24.67% | 0.48% | 0.35% | 2.13% | 2.28% |
Swipe the table sideways to see every column.
Branch Network
View all 8 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Broad Street Branch | Walhalla , SC | 29691 | $125.3M |
| 813-123 By-Pass Branch | Seneca , SC | 29678 | $113.6M |
| Oconee Federal Savings and Loan Association (main office) | Seneca , SC | 29678 | $99.8M |
| Toccoa Br | Toccoa , GA | 30577 | $77.6M |
| Clayton Branch | Clayton , GA | 30525 | $47.6M |
| 111 West Windsor Street Branch | Westminster , SC | 29693 | $47.5M |
| Clemson Branch | Clemson , SC | 29631 | $34.2M |
| Mutual Savings Branch | Hartsville , SC | 29550 | $25.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| February 1, 2024 | Structure Change | Acquired Mutual Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 31, 2024 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 2014 | Structure Change | Acquired Stephens Federal Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in SC, rank 39 of 73 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 163 applications, 128 loans originated, $52.0M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Oconee Federal Savings and Loan Association
What are Oconee Federal Savings and Loan Association's total assets?
As of the Q2 2026 filing, Oconee Federal Savings and Loan Association reported total assets of $679.4 million in its FFIEC call report.
Where is Oconee Federal Savings and Loan Association headquartered?
It is headquartered in Seneca, SC, United States.
When was Oconee Federal Savings and Loan Association founded?
It was established in 1924, per the FDIC institution directory.
Is Oconee Federal Savings and Loan Association FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #30111). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Oconee Federal Savings and Loan Association?
Oconee Federal Savings and Loan Association's primary federal regulator is the OCC.
What is Oconee Federal Savings and Loan Association's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 24.07% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Oconee Federal Savings and Loan Association operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Oconee Federal Savings and Loan Association's Texas Ratio?
Its Texas Ratio is 1.93% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Oconee Federal Savings and Loan Association previously called?
The charter now named Oconee Federal Savings and Loan Association has also operated as Oconee Savings and Loan Association (1958-1991), per FDIC structure-change records.
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