Side-by-side · Q2 2026 data
Carolina Bank & Trust Co. 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 | Carolina Bank & Trust Co. | Oconee Federal Savings and Loan Association |
|---|---|---|
| TellerScore | 83 (stronger) | 78 |
| Capital cushion | 85 | 86 (stronger) |
| Loan quality | 86 | 89 (stronger) |
| Earnings | 94 (stronger) | 50 |
| Funding & liquidity | 50 | 72 (stronger) |
| Problem-loan coverage | 96 | 96 |
| Peer percentile | 84th | 72nd |
| Total assets | $844.6M | $679.4M |
| Deposits / shares | $727.4M | $571.2M |
| Capital ratio | 13.51% | 13.55% (stronger) |
| Problem loans | 0.41% | 0.33% (stronger) |
| Net charge-offs | 0.20% | -0.00% (stronger) |
| Return on assets | 1.85% (stronger) | 0.76% |
| Loans ÷ deposits | 82.3% (stronger) | 86.8% |
| Uninsured deposits | 40.1% | 16.4% (stronger) |
| Offices | 14 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.4% | 12.0% |
Carolina Bank & Trust Co. has the higher TellerScore (83 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Carolina Bank & Trust Co. leads on 3 and Oconee Federal Savings and Loan Association on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.