Side-by-side · Q2 2026 data
Northeast Georgia 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 | Northeast Georgia Bank | Oconee Federal Savings and Loan Association |
|---|---|---|
| TellerScore | 93 (stronger) | 78 |
| Capital cushion | 84 | 86 (stronger) |
| Loan quality | 100 (stronger) | 89 |
| Earnings | 100 (stronger) | 50 |
| Funding & liquidity | 88 (stronger) | 72 |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 98th | 72nd |
| Total assets | $650.6M | $679.4M |
| Deposits / shares | $562.9M | $571.2M |
| Capital ratio | 13.41% | 13.55% (stronger) |
| Problem loans | 0.01% (stronger) | 0.33% |
| Net charge-offs | 0.07% | -0.00% (stronger) |
| Return on assets | 2.59% (stronger) | 0.76% |
| Loans ÷ deposits | 59.1% (stronger) | 86.8% |
| Uninsured deposits | 26.3% | 16.4% (stronger) |
| Offices | 9 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 12.0% |
Northeast Georgia Bank has the higher TellerScore (93 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Northeast Georgia Bank leads on 4 and Oconee Federal Savings and Loan Association on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.