Oconee Federal Savings and Loan Association: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Oconee Federal Savings and Loan Association of Seneca, SC against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.80% | 1.34% | -0.54% | 23rd bottom |
| ROAE | 6.66% | 13.32% | -6.66% | 20th bottom |
| Net Interest Margin | 2.94% | 3.93% | -0.99% | 9th bottom |
| Efficiency Ratio | 60.25% | 61.14% | -0.89% | 54th above |
| PPNR / Avg Assets | 1.18% | 1.68% | -0.50% | 28th below |
| Yield on Earning Assets | 4.67% | 5.67% | -1.00% | 13th bottom |
| Cost of Funds | 1.90% | 1.88% | +0.02% | 43rd below |
| Net Interest Spread | 2.46% | 3.32% | -0.86% | 12th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.33% | 0.94% | -0.61% | 56th above |
| NPA / Total Assets | 0.24% | 0.70% | -0.46% | 56th above |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 0.75% | 1.28% | -0.53% | 9th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 229.36% | 1539.62% | -1310.26% | 52nd above |
| Texas Ratio | 1.93% | 7.33% | -5.40% | 63rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 24.07% | 19.50% | +4.57% | 87th top |
| Tier 1 Ratio | 24.07% | 19.53% | +4.54% | 87th top |
| Total Capital Ratio | 25.12% | 20.62% | +4.50% | 87th top |
| Leverage Ratio | 13.55% | 12.14% | +1.41% | 79th top |
| Equity / Assets | 12.25% | 11.37% | +0.88% | 73rd above |
| TCE / Tangible Assets | 11.92% | 11.09% | +0.83% | 73rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 87.44% | 80.63% | +6.81% | 34th below |
| Core Deposit Ratio | 90.04% | 86.86% | +3.18% | 55th above |
| Wholesale Funding Ratio | 2.91% | 5.04% | -2.13% | 56th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.48% | 6.86% | -5.38% | 29th below |
| Loan Growth (Y/Y) | 3.57% | 7.91% | -4.34% | 40th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.19% | 6.29% | -2.10% | 51st above |
See Oconee Federal Savings and Loan Association's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Oconee Federal Savings and Loan Association, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Oconee Federal Savings and Loan Association profile, how to read a UBPR, or how this data updates.