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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 1,444th largest bank in the nation. It was established in 1924 and as of September of 2016, it had grown to 78 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 - YTD1.24%
Return on Equity - YTD7.77%
Annual Interest Income$13.4MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$485.6MM$468.8MM
LoansQ3 2016vs Q3 2015$294.8MM$303.6MM
DepositsQ3 2016vs Q3 2015$402.8MM$386.1MM
Equity CapitalQ3 2016vs Q3 2015$79.9MM$79.4MM
Loan Loss AllowanceQ3 2016vs Q3 2015$972.00K$1.0MM
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$4.9MM$3.3MM
Real Estate OwnedQ3 2016vs Q3 2015$654.00K$1.7MM

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Oconee Federal Savings and Loan Association Locations
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
Clayton Branch221 Hwy 76 EastClayton, GA 30525
Toccoa Branch12 East Doyle StreetToccoa, GA 30577
Toccoa Br2859 Hwy 17aToccoa, GA 30577