Oconee Federal Savings and Loan Association is a savings bank headquartered in Seneca, South Carolina, in business for about 102 years. At the end of Q2 2026 it reported $679.4M in total assets and $571.2M in deposits, with 8 offices across 2 states.
Based on its Q2 2026 filing, Oconee Federal Savings and Loan Association scores 78/100, which we describe as strong. That is higher than 72% of 2,650 banks with $100 million – $1 billion. Among 44 banks headquartered in South Carolina, it ranks 14th. Its strongest component is problem-loan coverage (96/100; 1.9%), and its lowest is earnings (50/100; 0.76%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (79 → 78).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 85 |
| Q3 2024 | 81 |
| Q4 2024 | 80 |
| Q1 2025 | 78 |
| Q2 2025 | 79 |
| Q3 2025 | 80 |
| Q4 2025 | 79 |
| Q1 2026 | 79 |
| Q2 2026 | 78 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.85% |
| Q3 2024 | 13.04% |
| Q4 2024 | 13.22% |
| Q1 2025 | 13.32% |
| Q2 2025 | 13.57% |
| Q3 2025 | 13.74% |
| Q4 2025 | 13.35% |
| Q1 2026 | 13.49% |
| Q2 2026 | 13.55% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.27% |
| Q3 2024 | 0.35% |
| Q4 2024 | 0.36% |
| Q1 2025 | 0.20% |
| Q2 2025 | 0.26% |
| Q3 2025 | 0.25% |
| Q4 2025 | 0.21% |
| Q1 2026 | 0.18% |
| Q2 2026 | 0.33% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.78% |
| Q3 2024 | 1.34% |
| Q4 2024 | 1.16% |
| Q1 2025 | 0.63% |
| Q2 2025 | 0.76% |
| Q3 2025 | 0.78% |
| Q4 2025 | 0.76% |
| Q1 2026 | 0.70% |
| Q2 2026 | 0.76% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 78 | $679.4M | 13.55% | 0.33% | 0.76% | 86.8% |
| Q1 2026 | 79 | $664.7M | 13.49% | 0.18% | 0.70% | 87.1% |
| Q4 2025 | 79 | $663.6M | 13.35% | 0.21% | 0.76% | 86.5% |
| Q3 2025 | 80 | $660.2M | 13.74% | 0.25% | 0.78% | 88.6% |
| Q2 2025 | 79 | $669.4M | 13.57% | 0.26% | 0.76% | 87.3% |
| Q1 2025 | 78 | $660.1M | 13.32% | 0.20% | 0.63% | 89.0% |
| Q4 2024 | 80 | $659.0M | 13.22% | 0.36% | 1.16% | 88.9% |
| Q3 2024 | 81 | $662.0M | 13.04% | 0.35% | 1.34% | 88.9% |
| Q2 2024 | 85 | $667.2M | 12.85% | 0.27% | 1.78% | 87.9% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in South Carolina
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| CountybankBank Greenwood, SC | 69 out of 100, Moderate | $733.0M | 8.7% | 0.44% | vs |
| Palmetto State BankBank Hampton, SC | 88 out of 100, Very strong | $597.5M | 14.8% | 0.12% | vs |
| First Piedmont Federal Savings and Loan Association of GaffneyBank Gaffney, SC | 84 out of 100, Strong | $597.1M | 29.1% | 0.73% | vs |
| OPTUS BankBank Columbia, SC | 75 out of 100, Strong | $764.2M | 13.0% | 0.94% | vs |
| The Bank of South CarolinaBank Charleston, SC | 77 out of 100, Strong | $571.2M | 11.8% | 0.29% | vs |
| Enterprise Bank of South CarolinaBank Ehrhardt, SC | 52 out of 100, Below average | $535.1M | 9.3% | 3.64% | vs |
Deposit insurance
Is my money safe at Oconee Federal Savings and Loan Association?
Yes. Oconee Federal Savings and Loan Association is an FDIC-insured institution (FDIC certificate #30111). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 16.4% of deposits ($93.6M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 13.55%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 25.12% (benchmark: 10%).
8 locations
Branches
Oconee Federal Savings and Loan Association lists 8 offices in 7 cities across 2 states. Most locations:
- Seneca, SC (2)
- Clayton, GA (1)
- Clemson, SC (1)
- Hartsville, SC (1)
- Toccoa, GA (1)
- Walhalla, SC (1)
- Westminster, SC (1)
HMDA 2025
Mortgage lending
In 2025, Oconee Federal Savings and Loan Association reported 163 home-loan applications under HMDA (LEI 254900HGO0ML9XQH7267): 128 originated ($52,030,000 total), 18 denied, and 13 withdrawn or closed by the applicant. Its denial rate on decided applications was 12.0%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Oconee Federal Savings and Loan Association
- Former names
- The Seneca Building and Loan Association; Oconee Savings and Loan Association
- Type
- Savings bank
- FDIC certificate #
- 30111
- RSSD ID
- 853671
- Primary regulator
- OCC
- Holding company
- Oconee Federal Mhc
- Established
- February 14, 1924
- Headquarters
- 115 E North 2nd St, Seneca, SC 29678
- Website
- www.oconeefederal.com
- Employees
- 71
Quick answers
Oconee Federal Savings and Loan Association: common questions
Is Oconee Federal Savings and Loan Association FDIC insured?
Yes. Oconee Federal Savings and Loan Association is an FDIC-insured institution (FDIC certificate #30111). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Oconee Federal Savings and Loan Association's TellerScore?
78 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Oconee Federal Savings and Loan Association ever failed?
There is no failure record for FDIC certificate #30111 in the FDIC failed bank list.
How many branches does Oconee Federal Savings and Loan Association have?
8 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Seneca
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Northeast Georgia BankBank Lavonia, GA | 93 out of 100, Very strong | $650.6M | 13.4% | 0.01% | vs |
| S. C. State Federal Credit UnionCredit union Columbia, SC | 91 out of 100, Very strong | $1.5B | 15.6% | 0.82% | vs |
| The Peoples BankBank Iva, SC | 89 out of 100, Very strong | $446.7M | 12.9% | 0.00% | vs |
| Anmed Federal Credit UnionCredit union Anderson, SC | 86 out of 100, Very strong | $16.5M | 14.3% | 0.08% | vs |
| The Wright Credit UnionCredit union Toccoa, GA | 84 out of 100, Strong | $16.2M | 17.3% | 0.29% | vs |
| Curis Financial Credit UnionCredit union Columbia, SC | 82 out of 100, Strong | $84.3M | 23.5% | 0.59% | vs |