Side-by-side · Q2 2026 data
The Peoples 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 | The Peoples Bank | Oconee Federal Savings and Loan Association |
|---|---|---|
| TellerScore | 89 (stronger) | 78 |
| Capital cushion | 79 | 86 (stronger) |
| Loan quality | 100 (stronger) | 89 |
| Earnings | 86 (stronger) | 50 |
| Funding & liquidity | 86 (stronger) | 72 |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 94th | 72nd |
| Total assets | $446.7M | $679.4M |
| Deposits / shares | $393.5M | $571.2M |
| Capital ratio | 12.92% | 13.55% (stronger) |
| Problem loans | 0.00% (stronger) | 0.33% |
| Net charge-offs | -0.00% (stronger) | -0.00% |
| Return on assets | 1.65% (stronger) | 0.76% |
| Loans ÷ deposits | 69.7% (stronger) | 86.8% |
| Uninsured deposits | 19.5% | 16.4% (stronger) |
| Offices | 8 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.9% | 12.0% |
The Peoples Bank has the higher TellerScore (89 vs 78). On the 7 directional measures above (where higher or lower is clearly better), The Peoples 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.