Side-by-side · Q2 2026 data
Dedicated Community 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 | Dedicated Community Bank | Oconee Federal Savings and Loan Association |
|---|---|---|
| TellerScore | 65 | 78 (stronger) |
| Capital cushion | 43 | 86 (stronger) |
| Loan quality | 84 | 89 (stronger) |
| Earnings | 56 (stronger) | 50 |
| Funding & liquidity | 74 (stronger) | 72 |
| Problem-loan coverage | 92 | 96 (stronger) |
| Peer percentile | 29th | 72nd |
| Total assets | $100.6M | $679.4M |
| Deposits / shares | $91.1M | $571.2M |
| Capital ratio | 9.27% | 13.55% (stronger) |
| Problem loans | 0.47% | 0.33% (stronger) |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 0.89% (stronger) | 0.76% |
| Loans ÷ deposits | 82.5% (stronger) | 86.8% |
| Uninsured deposits | 18.0% | 16.4% (stronger) |
| Offices | 2 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.6% | 12.0% |
Oconee Federal Savings and Loan Association has the higher TellerScore (78 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Dedicated Community Bank 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.