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Overview / Commentary
115 East North 2nd Street
Seneca, SC 29678

Oconee Federal Savings and Loan Association is headquartered in Seneca and is the 16th largest bank in the state of South Carolina. It is also the 1,480th largest bank in the nation. It was established in 1924 and as of June of 2017, it had grown to 80 employees at 7 locations. Oconee Federal Savings and Loan Association's money market rates are 14% higher than the national average, and it has an A health rating.


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Health Grade Components

FDIC Certificate #30111
Year Established1924
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.1%
Return on Equity - YTD6.66%
Annual Interest Income$8.5MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$481.4MM$486.3MM
LoansQ2 2017vs Q2 2016$306.8MM$291.3MM
DepositsQ2 2017vs Q2 2016$400.6MM$405.4MM
Equity CapitalQ2 2017vs Q2 2016$78.7MM$78.7MM
Loan Loss AllowanceQ2 2017vs Q2 2016$1.0MM$922.00K
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$3.5MM$3.8MM
Real Estate OwnedQ2 2017vs Q2 2016$865.00K$1.4MM
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Oconee Federal Savings and Loan Association Money Market Rates

0.50%$10k-Money Market Bonus

Oconee Federal Savings and Loan Association Locations
Clayton Branch221 Hwy 76 EastClayton, GA 30525
Toccoa Branch12 East Doyle StreetToccoa, GA 30577
Toccoa Br2859 Hwy 17aToccoa, GA 30577
111 West Windsor Street Branch111 West Windsor StreetWestminster, SC 29693
Oconee Federal Savings and Loan Association115 East North 2nd StreetSeneca, SC 29678
Broad Street Branch204 W North Broad StWalhalla, SC 29691
813-123 By-Pass Branch813 By Pass 123Seneca, SC 29678