Bank call report · Seneca, SC
Oconee Federal Savings and Loan Association Call Report
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Oconee Federal Savings and Loan Association filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 321 reported line items, schedule by schedule (748 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 853671 |
| FDIC certificate number | 30111 |
| Total assets | $679.4M |
Official Q2 2026 call report PDF (FFIEC) →
Oconee Federal Savings and Loan Association call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (25 items)
About Schedule RC · Oconee Federal Savings and Loan Association balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $679.4M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $679.4M |
| Total Liabilities and Minority Interest | RCON2948 | $596.1M |
| Total Deposits | RCON2200 | $571.2M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $499.4M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $495.7M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $485.1M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $122.7M |
| Deposits: Noninterest-bearing | RCON6631 | $86.0M |
| Total Equity Capital | RCON3210 | $83.2M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $83.2M |
| Undivided Profits and Capital Reserves | RCON3632 | $75.6M |
| Other Assets | RCON2160 | $34.2M |
| Surplus | RCON3839 | $20.0M |
| Other Borrowed Money | RCON3190 | $19.8M |
| Accumulated Other Comprehensive Income | RCONB530 | -$12.3M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $8.9M |
| Interest-bearing Balances | RCON0071 | $8.5M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $6.1M |
| Other Liabilities, Total | RCON2930 | $5.2M |
| Allowance for Loan and Lease Losses | RCON3123 | $3.7M |
| Intangible Assets | RCON2143 | $2.9M |
| Goodwill | RCON3163 | $2.6M |
| Equity securities with readily determinable fair values not held for trading | RCONJA22 | $487K |
| Direct and Indirect Investments in Real Estate Ventures | RCON3656 | $30K |
Schedule RI: Income Statement (41 items)
About Schedule RI · Oconee Federal Savings and Loan Association income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $14.8M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $12.9M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $9.8M |
| Net Interest Income | RIAD4074 | $9.2M |
| Total Noninterest Expense | RIAD4093 | $6.1M |
| Total Interest Expense | RIAD4073 | $5.6M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $3.6M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $3.3M |
| Salaries and Employee Benefits | RIAD4135 | $3.3M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $3.0M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $3.0M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $2.5M |
| Net Income (Loss) | RIAD4340 | $2.5M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $2.5M |
| Other Noninterest Expense | RIAD4092 | $1.9M |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $1.6M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $1.1M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $991K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $963K |
| Total Noninterest Income | RIAD4079 | $769K |
| Applicable Income Taxes | RIAD4302 | $763K |
| Other Noninterest Income | RIADB497 | $587K |
| Other Interest Expense | RIADGW44 | $360K |
| Unrealized holding gains (losses) on equity securities not held for trading | RIADHT70 | -$339K |
| Provision for Loan and Lease Losses | RIAD4230 | $285K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $232K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $150K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $96K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $81K |
| Interest on Other Securities | RIAD4060 | $73K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $65K |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $62K |
| Other Interest Income | RIAD4518 | $57K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $54K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $33K |
| Net Servicing Fees | RIADB492 | $24K |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $8K |
| Amortization Expense and Impairment Losses Intangible Assets | RIADC232 | $7K |
| Expense of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RIAD4180 | $4K |
| Net Gains (Losses) Recognized in Earnings on Assets That Are Reported at Fair Value Option | RIADF551 | -$2K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 71 |
Schedule RC-B: Securities (28 items)
About Schedule RC-B · Oconee Federal Savings and Loan Association securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $7.1M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $6.2M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $138.3M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $109.3M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $96.6M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $63.0M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $33.1M |
| Pledged Securities | RCON0416 | $20.5M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $12.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $11.4M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $10.8M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $6.2M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $4.2M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $3.9M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $3.6M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $3.4M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $3.0M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK144 | $2.9M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $2.8M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK145 | $2.5M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $420K |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK152 | $390K |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK153 | $383K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA558 | $230K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA557 | $180K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA556 | $74K |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $65K |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $45K |
Schedule RC-C, Part I: Loans and Leases (30 items)
About Schedule RC-C, Part I · Oconee Federal Savings and Loan Association loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $499.4M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $376.0M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $236.0M |
| Pledged Loans and Leases | RCONG378 | $162.8M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $90.2M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $66.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $42.8M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $41.6M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $30.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $30.0M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $25.3M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $23.4M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $21.5M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $21.3M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $18.5M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $17.8M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $17.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $11.3M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $9.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $7.3M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $7.2M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $3.3M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $2.2M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $2.1M |
| Commercial and Industrial Loans | RCON1766 | $1.6M |
| Real Estate Loans Secured by Farmland | RCON1420 | $961K |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $882K |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $521K |
| Loans Secured by 1-4 Family Residential Properties in Domestic Offices in Process of Foreclosure (Included in Rc-c, Part I, Items 1.C.(1), 1.C.(2)(A), and 1.C.(2)(B) | RCONF577 | $134K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $43K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (16 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $16.5M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $2.1M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $705K |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $598K |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $548K |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $348K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $152K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $33K |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 40 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 34 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 19 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 19 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 13 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 11 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 1 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 1 |
Schedule RC-E: Deposit Liabilities (24 items)
About Schedule RC-E · Oconee Federal Savings and Loan Association deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $403.5M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $402.9M |
| Total Demand Deposits (See Note Below) | RCON2210 | $167.7M |
| Total Transaction Accounts | RCON2215 | $167.7M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $163.4M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $151.8M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $115.8M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $109.5M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $103.0M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $94.6M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $56.9M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $48.3M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $47.7M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $46.8M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $39.5M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $35.5M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $33.9M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $21.0M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $15.8M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $12.8M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $8.4M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $561K |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK15 | $290K |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $186K |
Schedule RC-F: Other Assets (7 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $22.5M |
| Net Deferred Tax Assets | RCON2148 | $6.2M |
| Accrued Interest Receivable | RCONB556 | $2.1M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $2.0M |
| Other Assets | RCON2168 | $1.4M |
| Prepaid Expenses | RCON2166 | $828K |
| First Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3549 | $350K |
Schedule RC-G: Other Liabilities (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $2.3M |
| Other Expenses Accrued and Unpaid | RCON3646 | $1.5M |
| All Other Liabilities | RCON2938 | $1.1M |
| Operating lease liabilities | RCONLB56 | $660K |
| First Itemized Amount That Exceeds 25% of All Other Liabilities (2938) or (2942) | RCON3552 | $341K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $288K |
Schedule RC-K: Quarterly Averages (16 items)
About Schedule RC-K · Oconee Federal Savings and Loan Association quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $684.8M |
| Quarterly Average of Total Loans | RCON3360 | $493.4M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $397.4M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $198.7M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $147.3M |
| Mortgage-backed Securities | RCONB559 | $120.3M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $91.9M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $83.2M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $55.9M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $17.0M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $15.0M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $5.5M |
| All Other Securities | RCONB560 | $3.6M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $2.5M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $1.7M |
| Quarterly Average of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RCON3353 | $320K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (6 items)
About Schedule RC-L · Oconee Federal Savings and Loan Association derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $27.0M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $24.4M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $8.0M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $2.2M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $821K |
| All Other Off-balance Sheet Liabilities | RCON3430 | $314K |
Schedule RC-M: Memoranda (9 items)
About Schedule RC-M · Oconee Federal Savings and Loan Association memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances (Loans) Due in One Year or Less | RCON2651 | $15.0M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF055 | $15.0M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONF056 | $4.8M |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $335K |
| Estimated Fair Value of Mortgage Servicing Assets | RCONA590 | $258K |
| Mortgage Servicing Assets | RCON3164 | $258K |
| Cost of equity securities with readily determinable fair values not held for trading | RCONJA29 | $20K |
| All other intangible assets | RCONJF76 | $7K |
| Does the Institution Use the Home Owners' Loan Act (Hola) Qtl Test or the Internal Revenue Service Domestic Building and Loan Association (IRS Dbla) Test to Determine Its Qtl Compliance? | RCONL133 | 1 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (13 items)
About Schedule RC-N · Oconee Federal Savings and Loan Association past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $2.6M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $2.5M |
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $1.6M |
| Additions to Nonaccrual Assets | RCONC410 | $1.2M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $1.1M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty Included in Schedule Rc-n Items 1 Through 7 Above and Not Reported in Schedule Rc-c, Part I, Memo Item 1, Nonaccrual | RCONHK28 | $302K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty Loans Secured by Owner Occupied Nonfarm Nonresidential Properties: Nonaccrual | RCONK116 | $287K |
| Loans Secured by Other Nonfarm Nonresidential Properties, Nonaccrual | RCONF183 | $287K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $202K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $88K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 30 Through 89 Days and Still Accruing | RCON5398 | $67K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-nonaccural | RCONC230 | $15K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty Secured by 1-4 Residential Properties (in Domestic Offices) - Nonaccrual | RCONF663 | $15K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · Oconee Federal Savings and Loan Association other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $684.8M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $573.5M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $361.9M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $164.8M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $92.4M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $39.3M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $7.5M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 17,219 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 1,300 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 294 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 21 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R: Regulatory Capital (1 item)
About Schedule RC-R · Oconee Federal Savings and Loan Association regulatory capital trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets Before Deductions for Excess Allowance for Loan and Lease Losses and Allocated Transfer Risk Reserve - 100% | RCONB704 | $383.8M |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (25 items)
About Schedule RC-R, Part I · Oconee Federal Savings and Loan Association regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $684.8M |
| Average Total Assets (Net of Deductions) | RCOAA224 | $681.7M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $383.8M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $96.4M |
| Common Equity Tier 1 Capital | RCOAP859 | $92.4M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $92.4M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $92.4M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $83.2M |
| Retained Earnings | RCOAKW00 | $75.6M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $20.0M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$12.3M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$12.3M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $4.0M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $4.0M |
| Tier 2 Capital Before Deductions | RCOAP870 | $4.0M |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $3.1M |
| Goodwill Net of Associated Deferred Tax Liabilities (Dtls) | RCOAP841 | $2.6M |
| Deferred Tax Assets (DTAS) That Arise from Net Operating Loss and Tax Credit Carryforwards, Net of Any Related Valuation Allowances and Net of Dtls | RCOAP843 | $547K |
| Intangible Assets (Other Than Goodwill and Mortgage Servicing Assets (Msas)), Net of Associated Dtls | RCOAP842 | $7K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.2512 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.2407 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.2407 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.1712 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1355 |
Schedule RC-R, Part II: Risk-Weighted Assets (46 items)
About Schedule RC-R, Part II · Oconee Federal Savings and Loan Association risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $400.4M |
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $383.8M |
| Total Risk-weighted Assets | RCONG641 | $383.8M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $378.4M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $378.4M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $376.7M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $189.2M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $162.3M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $162.3M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $162.3M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $135.2M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $135.2M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $123.2M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $122.7M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $97.6M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $97.6M |
| Total All Other Assets | RCOND981 | $46.0M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $40.5M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $27.0M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $23.7M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $17.3M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $17.3M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$16.1M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$15.6M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $14.6M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $13.8M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $11.1M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $3.5M |
| All Other Assets - Adjustments to Totals Reported in Column a | RCONS469 | $3.1M |
| Risk-weighted Assets by Risk-weighted Category - 400 Pct Risk Weight Category | RCONS575 | $2.5M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $2.1M |
| Available-for-sale Securities - 50 Pct Risk Weight Category | RCOND969 | $1.7M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $1.4M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $1.4M |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $1.4M |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $1.4M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $1.4M |
| Risk-weighted Assets by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS573 | $645K |
| All Other Assets - 400 Pct Risk Weight Category | RCONS470 | $619K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 400 Pct Risk Weight Category | RCONS564 | $619K |
| Total Balance Sheet Assets - 400 Pct Risk Weight Category | RCONS506 | $619K |
| Available-for-sale Securities - 100 Pct Risk Weight Category | RCOND970 | $487K |
| All Other Assets - 250 Pct Risk Weight Category | RCONH293 | $258K |
| The total of all components in the 250% balance sheet asset category on Call Report Schedule RC-R is multiplied by 250% | RCONS504 | $258K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS562 | $258K |
| Unconditionally Cancellable Commitments | RCONS540 | $147K |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $83.2M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $81.3M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $81.3M |
| Other Comprehensive Income | RIADB511 | -$629K |
| Other Transactions with Stockholders (Including Parent Holding Company) | RIAD4415 | $26K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (4 items)
About Schedule RI-B, Part I · Oconee Federal Savings and Loan Association charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $9K |
| Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens | RIADC217 | $9K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $3K |
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $3K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (4 items)
About Schedule RI-B, Part II · Oconee Federal Savings and Loan Association changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $3.7M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $3.4M |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | -$53K |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $3K |
Schedule RI-E: Explanations (1 item)
| Line item | Code | Q2 2026 |
|---|---|---|
| First Itemized Transaction of Other Transactions with Stockholders (Including Parent Holding Company) (4415) | RIAD4498 | $26K |
Schedule SU: Supplemental Information (2 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Outstanding Principal Balance of Closed End 1-4 Family Residential Mortgage Loans Serviced for Others Plus the Total Outstanding Principal Balance of Other Financial Assets Serviced for Others If More Than $10 Million | RCONFT12 | $23.1M |
| Aggregate Amount of Fair Value Option Assets | RCONHK18 | $258K |
Oconee Federal Savings and Loan Association call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Oconee Federal Savings and Loan Association call report?
The Oconee Federal Savings and Loan Association call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Oconee Federal Savings and Loan Association file?
Oconee Federal Savings and Loan Association files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Oconee Federal Savings and Loan Association call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Oconee Federal Savings and Loan Association has Federal Reserve RSSD ID 853671 and FDIC certificate number 30111. Either one finds its filings on the FFIEC Central Data Repository.
How often does Oconee Federal Savings and Loan Association file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Oconee Federal Savings and Loan Association financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 30111) · FFIEC NIC profile (RSSD 853671)