Side-by-side · Q2 2026 data
Rabun County 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 | Rabun County Bank | Oconee Federal Savings and Loan Association |
|---|---|---|
| TellerScore | 81 (stronger) | 78 |
| Capital cushion | 55 | 86 (stronger) |
| Loan quality | 98 (stronger) | 89 |
| Earnings | 86 (stronger) | 50 |
| Funding & liquidity | 87 (stronger) | 72 |
| Problem-loan coverage | 99 (stronger) | 96 |
| Peer percentile | 80th | 72nd |
| Total assets | $361.5M | $679.4M |
| Deposits / shares | $321.3M | $571.2M |
| Capital ratio | 10.49% | 13.55% (stronger) |
| Problem loans | 0.05% (stronger) | 0.33% |
| Net charge-offs | -0.01% (stronger) | -0.00% |
| Return on assets | 1.64% (stronger) | 0.76% |
| Loans ÷ deposits | 71.8% (stronger) | 86.8% |
| Uninsured deposits | 16.5% | 16.4% (stronger) |
| Offices | 4 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 12.0% |
Rabun County Bank has the higher TellerScore (81 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Rabun County Bank leads on 5 and Oconee Federal Savings and Loan Association on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Clayton, GA