Oconee Federal Savings and Loan Association
Seneca, SC
IDRSSD: 853671
Total Assets
$663.58M
Latest filing
Total Deposits
$557.14M
Latest filing
Net Interest Margin
2.84%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Oconee Federal Savings and Loan Association
115 E North 2nd St
Seneca, SC 29678
Full Service - Brick and Mortar
Updated 01/30/2026Established 02/14/1924FDIC Certificate 42945
Branches (7)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Oconee Federal Savings and Loan Association (Main) | 115 E North 2nd St | Seneca, SC |
| CLAYTON BRANCH | 221 Highway 76 E | Clayton, GA |
| BROAD STREET BRANCH | 204 W North Broad St | Walhalla, SC |
| 111 WEST WINDSOR STREET BRANCH | 111 W Windsor St | Westminster, SC |
| 813-123 BY-PASS BRANCH | 813 By Pass 123 | Seneca, SC |
| TOCCOA BR | 2859 Highway 17 Alt | Toccoa, GA |
| MUTUAL SAVINGS BRANCH | 330 W Carolina Ave | Hartsville, SC |
| CLEMSON BRANCH | 357 Old Greenville Hwy | Clemson, SC |
Showing 7 of 7
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Federal savings banks, federal charter, supervised by the OCC or (pre-2011) OTS |
| Primary Regulator | OCC |
| Established Date | 02/14/1924 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 29678 |
| State and County Number | 45073 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 05 |
| Numeric code | 37 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Seneca, SC |
Operational Info
| Number of Employees | 75 |
| Domestic Offices | 8 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 01/31/2024 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.oconeefederal.com |
| Data Updated | 01/30/2026 |
| CERT | 30111 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $663.58M |
| Total Deposits | $557.14M |
| Total Liabilities | $582.27M |
| Total Equity Capital | $81.31M |
| Net Income | $1.19M |
| Net Loans and Leases | $482.04M |
| Assets Per Employee ($Millions) | $8.73M |
| Bank Premises and Fixed Assets | $8.31M |
| Cash and Balances due from Depository Institutions | $9.49M |
| Deposits Held in Domestic Offices | $557.14M |
Key Performance Ratios
| Return on Assets (ROA) | 0.72% |
| Return on Equity (ROE) | 5.8% |
| Net Interest Margin | 2.84% |
| Efficiency Ratio | 63.89% |
| Tier 1 Risk-Based Capital Ratio | 24.55% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.253% |
| Earning Assets to total Assets | 92.48% |
Income and Expense
| Total Interest Income | $7.24M |
| Total Noninterest Income | $359.00k |
| Total Interest Expense | $2.90M |
| Total Noninterest Expense | $3.01M |
| Net Interest Income | $4.34M |
| Pre-tax Net Operating Income | $1.69M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $19.75M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $5.38M |
| Total Liabilities and Capital | $663.58M |
Securities
| Securities | $127.52M |
| Available-for-sale debt securities | $126.70M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Oconee Federal Savings and Loan Association?
$663.58M as of the latest filing.
How much are Oconee Federal Savings and Loan Association's total deposits?
$557.14M in total deposits.
Where is Oconee Federal Savings and Loan Association located?
Seneca, SC.
What is the Net Interest Margin?
2.84%.
How many domestic offices does it operate?
8.
When was it established?
02/14/1924.
What is the Return on Assets (ROA)?
0.72%.
How much are total loans and leases?
$482.04M (latest filing).
What is the total interest income (latest filing)?
$7.24M.