Oconee Federal Savings and Loan Association: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Construction concentration (tier 1 capital + allowance) climbed 1.51 percentage points in Q2 2026, from 45.00% to 46.51%. It was the largest change from Q1 2026 among the key lines here. Within South Carolina, Oconee Federal Savings and Loan Association is 14th of 44 on loan-to-deposit ratio, 87.44% as of Q2 2026, above the middle of the field. Oconee Federal Savings and Loan Association reported 87.44% on loan-to-deposit ratio for Q2 2026, 6.60 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $499.4M |
| Net loans and leases | $495.7M |
| Loans held for sale | $0 |
| Loans to total assets | 73.51% |
| Loan-to-deposit ratio | 87.44% |
| Net loans to equity capital | 5.95% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 9.81% |
| Multifamily (5+ residential) | 0.18% |
| Commercial and industrial | 0.32% |
| Consumer | 0.55% |
| Credit cards | 0.00% |
| Farm | 0.19% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 66.66% |
| Construction concentration (Tier 1 capital + allowance) | 46.51% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $6.5M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $418.8M | $474.2M | 8.44% | 0.69% | 0.28% |
| Q4 2023 | $428.9M | $486.5M | 8.32% | 0.59% | 0.32% |
| Q1 2024 | $473.1M | $530.5M | 9.61% | 0.87% | 0.73% |
| Q2 2024 | $473.0M | $534.4M | 9.54% | 0.82% | 0.66% |
| Q3 2024 | $471.9M | $526.8M | 9.33% | 0.81% | 0.68% |
| Q4 2024 | $475.7M | $531.5M | 9.16% | 0.98% | 0.61% |
| Q1 2025 | $481.8M | $537.6M | 9.78% | 1.11% | 0.61% |
| Q2 2025 | $482.2M | $548.2M | 9.17% | 1.06% | 0.58% |
| Q3 2025 | $484.4M | $543.0M | 9.36% | 0.92% | 0.58% |
| Q4 2025 | $485.5M | $557.1M | 9.34% | 0.43% | 0.60% |
| Q1 2026 | $491.8M | $560.6M | 9.07% | 0.40% | 0.53% |
| Q2 2026 | $499.4M | $571.2M | 9.81% | 0.32% | 0.55% |
Oconee Federal Savings and Loan Association loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Oconee Federal Savings and Loan Association, freeSource: Call Report Schedule RC-C, 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)