Side-by-side · Q2 2026 data
Apex Banking Company of Georgia vs Oconee Federal Savings and Loan Association
Bank
Oconee Federal Savings and Loan Association
Seneca, South Carolina · $100 million – $1 billion
Metric by metric
| Measure | Apex Banking Company of Georgia | Oconee Federal Savings and Loan Association |
|---|---|---|
| TellerScore | 70 | 78 (stronger) |
| Capital cushion | 47 | 86 (stronger) |
| Loan quality | 99 (stronger) | 89 |
| Earnings | 42 | 50 (stronger) |
| Funding & liquidity | 86 (stronger) | 72 |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 40th | 72nd |
| Total assets | $72.6M | $679.4M |
| Deposits / shares | $66.5M | $571.2M |
| Capital ratio | 9.70% | 13.55% (stronger) |
| Problem loans | 0.03% (stronger) | 0.33% |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 0.55% | 0.76% (stronger) |
| Loans ÷ deposits | 67.3% (stronger) | 86.8% |
| Uninsured deposits | 21.2% | 16.4% (stronger) |
| Offices | 2 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 12.0% |
Oconee Federal Savings and Loan Association has the higher TellerScore (78 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Apex Banking Company of Georgia leads on 2 and Oconee Federal Savings and Loan Association on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.