Side-by-side · Q2 2026 data
Arthur State Bank 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 | Arthur State Bank | Oconee Federal Savings and Loan Association |
|---|---|---|
| TellerScore | 62 | 78 (stronger) |
| Capital cushion | 33 | 86 (stronger) |
| Loan quality | 80 | 89 (stronger) |
| Earnings | 65 (stronger) | 50 |
| Funding & liquidity | 66 | 72 (stronger) |
| Problem-loan coverage | 88 | 96 (stronger) |
| Peer percentile | 22nd | 72nd |
| Total assets | $831.9M | $679.4M |
| Deposits / shares | $686.1M | $571.2M |
| Capital ratio | 8.30% | 13.55% (stronger) |
| Problem loans | 0.60% | 0.33% (stronger) |
| Net charge-offs | 0.01% | -0.00% (stronger) |
| Return on assets | 1.12% (stronger) | 0.76% |
| Loans ÷ deposits | 89.3% | 86.8% (stronger) |
| Uninsured deposits | 19.0% | 16.4% (stronger) |
| Offices | 17 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.2% | 12.0% |
Oconee Federal Savings and Loan Association has the higher TellerScore (78 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Arthur State Bank leads on 1 and Oconee Federal Savings and Loan Association on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.