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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 12th largest bank in the state of South Carolina. It is also the 1,434th largest bank in the nation. It was established in 1924 and as of June of 2016, it had grown to 80 employees at 7 locations. Oconee Federal Savings and Loan Association has an A health rating.


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Health Grade Components

FDIC Certificate #30111
Year Established1924
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.3%
Return on Equity - YTD8.26%
Annual Interest Income$9.0MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$486.3MM$477.6MM
LoansQ2 2016vs Q2 2015$291.3MM$308.4MM
DepositsQ2 2016vs Q2 2015$405.4MM$395.8MM
Equity CapitalQ2 2016vs Q2 2015$78.8MM$77.2MM
Loan Loss AllowanceQ2 2016vs Q2 2015$876.00K$996.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$3.8MM$4.2MM
Real Estate OwnedQ2 2016vs Q2 2015$1.4MM$2.1MM

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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