Oconee Federal Savings and Loan Association: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 159.54 percentage points lower than in Q1 2026, at 229.36%. Oconee Federal Savings and Loan Association ranks 32nd of 44 South Carolina banks on return on assets, in the lower half at 0.80% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Oconee Federal Savings and Loan Association sits 0.45 points lower, at 0.80% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 24.07% |
| Tier 1 risk-based capital ratio | 24.07% |
| Total risk-based capital ratio | 25.12% |
| Tier 1 leverage ratio | 13.55% |
| Equity capital to assets | 12.25% |
| Tangible equity to tangible assets | 11.92% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.33% |
| Non-performing assets ratio | 0.24% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.93% |
| Allowance for credit losses to loans | 0.75% |
| Reserve coverage of non-performing loans | 229.36% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.80% |
| Return on equity | 6.66% |
| Net interest margin | 2.94% |
| Efficiency ratio | 60.25% |
| Yield on earning assets | 4.67% |
| Cost of funds | 1.90% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.44% |
| Core deposits to total deposits | 90.04% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.07% |
| Securities to assets | 18.13% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 25.59% | 25.59% | 26.41% | 13.57% | 0.25% |
| Q4 2023 | 25.49% | 25.49% | 26.31% | 13.43% | 0.24% |
| Q1 2024 | 24.95% | 24.95% | 25.93% | 13.77% | 2.42% |
| Q2 2024 | 23.99% | 23.99% | 24.99% | 12.85% | 1.01% |
| Q3 2024 | 24.67% | 24.67% | 25.68% | 13.04% | 0.48% |
| Q4 2024 | 24.53% | 24.53% | 25.53% | 13.22% | 0.60% |
| Q1 2025 | 24.62% | 24.62% | 25.64% | 13.32% | 0.61% |
| Q2 2025 | 24.83% | 24.83% | 25.85% | 13.57% | 0.88% |
| Q3 2025 | 25.26% | 25.26% | 26.29% | 13.74% | 0.78% |
| Q4 2025 | 24.55% | 24.55% | 25.58% | 13.35% | 0.71% |
| Q1 2026 | 24.39% | 24.39% | 25.42% | 13.49% | 0.69% |
| Q2 2026 | 24.07% | 24.07% | 25.12% | 13.55% | 0.80% |
Oconee Federal Savings and Loan Association vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Oconee Federal Savings and Loan Association, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)