Side-by-side · Q2 2026 data
Oconee Federal Savings and Loan Association vs First Reliance Bank
Bank
Oconee Federal Savings and Loan Association
Seneca, South Carolina · $100 million – $1 billion
Metric by metric
| Measure | Oconee Federal Savings and Loan Association | First Reliance Bank |
|---|---|---|
| TellerScore | 78 (stronger) | 71 |
| Capital cushion | 86 (stronger) | 55 |
| Loan quality | 89 | 98 (stronger) |
| Earnings | 50 | 69 (stronger) |
| Funding & liquidity | 72 (stronger) | 42 |
| Problem-loan coverage | 96 | 99 (stronger) |
| Peer percentile | 72nd | 63rd |
| Total assets | $679.4M | $1.1B |
| Deposits / shares | $571.2M | $922.0M |
| Capital ratio | 13.55% (stronger) | 10.53% |
| Problem loans | 0.33% | 0.07% (stronger) |
| Net charge-offs | -0.00% | -0.00% (stronger) |
| Return on assets | 0.76% | 1.21% (stronger) |
| Loans ÷ deposits | 86.8% (stronger) | 90.0% |
| Uninsured deposits | 16.4% (stronger) | 40.3% |
| Offices | 8 | 9 |
| 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 71). On the 7 directional measures above (where higher or lower is clearly better), Oconee Federal Savings and Loan Association leads on 4 and First Reliance Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.