Oconee Federal Savings and Loan Association: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The largest change between Q1 2026 and Q2 2026 was in Risk-weighted assets, which rose 2.9% to $383.8M. Oconee Federal Savings and Loan Association ranks 5th of 30 South Carolina banks on CET1 ratio, in the upper half at 24.07% (Q2 2026). Oconee Federal Savings and Loan Association's CET1 ratio of 24.07% is well above the 15.07% median for banks in the $100M-1B asset tier, a gap of 9.00 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 24.07% |
| Tier 1 risk-based capital ratio | 24.07% |
| Total risk-based capital ratio | 25.12% |
| Tier 1 leverage ratio | 13.55% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $92.4M |
| Tier 1 capital | $92.4M |
| Total risk-based capital | $96.4M |
| Total equity capital | $83.2M |
| Risk-weighted assets | $383.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.25% |
| Tangible equity to tangible assets | 11.92% |
| Equity capital to average assets | 12.16% |
| Internal capital growth rate | 6.70% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $20.0M |
| Retained earnings | $75.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$12.3M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 25.59% | 25.59% | 26.41% | 13.57% | $327.6M |
| Q4 2023 | 25.49% | 25.49% | 26.31% | 13.43% | $330.4M |
| Q1 2024 | 24.95% | 24.95% | 25.93% | 13.77% | $366.4M |
| Q2 2024 | 23.99% | 23.99% | 24.99% | 12.85% | $363.3M |
| Q3 2024 | 24.67% | 24.67% | 25.68% | 13.04% | $355.9M |
| Q4 2024 | 24.53% | 24.53% | 25.53% | 13.22% | $362.2M |
| Q1 2025 | 24.62% | 24.62% | 25.64% | 13.32% | $365.2M |
| Q2 2025 | 24.83% | 24.83% | 25.85% | 13.57% | $368.2M |
| Q3 2025 | 25.26% | 25.26% | 26.29% | 13.74% | $367.3M |
| Q4 2025 | 24.55% | 24.55% | 25.58% | 13.35% | $365.8M |
| Q1 2026 | 24.39% | 24.39% | 25.42% | 13.49% | $373.0M |
| Q2 2026 | 24.07% | 24.07% | 25.12% | 13.55% | $383.8M |
Oconee Federal Savings and Loan Association regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Oconee Federal Savings and Loan Association, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Oconee Federal Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30111) · FFIEC NIC profile (RSSD 853671)