BlastPoint's Banking Scorecard
Oconee Federal Savings and Loan Association
Seneca, SC
8 branches across SC · GA
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 27 in SC.
- Deposits +4.2% year over year ($571.2M on the books).
- Delinquency rate 0.33%.
- Return on assets 0.76%.
- Efficiency ratio 61.11% vs a 64.48% peer average.
- Loan-to-deposit ratio 86.78% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Oconee Federal Savings and Loan Association has 2 strengths but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 3.37% below tier average
- + Delinquency Rate 0.59% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 8.2% in tier
- - Liquidity Overhang: Bottom 16.3% in tier
- - Credit Quality Pressure: Bottom 20.6% in tier
- - Flatlined Growth: Bottom 34.4% in tier
- - Net Interest Margin 1.01% below tier average
- - ROA 0.56% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$679.4M
+1.5% YoY
+2.2% QoQ
|
+$292.8M |
$386.6M
+1.2% YoY
|
$1.5B
+5.6% YoY
|
$6.3B
+7.7% YoY
|
Top 13.5% in tier |
| Total Loans ? |
$495.7M
+3.5% YoY
+1.5% QoQ
|
+$237.3M |
$258.3M
+1.7% YoY
|
$1.0B
+7.6% YoY
|
$3.2B
+9.4% YoY
|
Top 11.7% in tier |
| Total Deposits ? |
$571.2M
+4.2% YoY
+1.9% QoQ
|
+$244.4M |
$326.7M
+0.7% YoY
|
$1.3B
+2.8% YoY
|
$4.9B
+7.3% YoY
|
Top 14.3% in tier |
| Return on Assets ? |
0.76%
-0.6% YoY
+8.3% QoQ
|
-0.56% |
1.32%
+10.8% YoY
|
1.14%
+28.2% YoY
|
1.30%
+12.1% YoY
|
21% |
| Net Interest Margin ? |
2.98%
+9.9% YoY
+1.3% QoQ
|
-1.01% |
3.99%
+5.0% YoY
|
3.68%
+4.4% YoY
|
3.95%
+4.9% YoY
|
Bottom 9.3% in tier |
| Efficiency Ratio ? |
61.11%
-9.7% YoY
-1.3% QoQ
|
-3.37% |
64.48%
-3.2% YoY
|
67.24%
-4.2% YoY
|
70.05%
+2.5% YoY
|
54% |
| Delinquency Rate ? |
0.33%
+25.6% YoY
+79.8% QoQ
|
-0.59% |
0.92%
+15.7% YoY
|
0.46%
-16.5% YoY
|
0.98%
+16.3% YoY
|
56% |
| Loan-to-Deposit Ratio ? |
86.78%
-0.6% YoY
-0.4% QoQ
|
+8.83% |
77.95%
+1.0% YoY
|
74.60%
+2.0% YoY
|
79.03%
+2.3% YoY
|
33% |
| Non-Interest-Bearing Deposit Share ? |
15.06%
-2.6% YoY
+8.3% QoQ
|
-6.97% |
22.03%
-0.6% YoY
|
21.25%
-0.8% YoY
|
21.98%
-0.6% YoY
|
25% |
| Nonperforming Asset Ratio ? |
0.24%
+28.1% YoY
+78.6% QoQ
|
-0.43% |
0.67%
+16.4% YoY
|
0.29%
-15.5% YoY
|
0.69%
+15.8% YoY
|
57% |
| Tier 1 Capital Ratio ? |
24.07%
-3.1% YoY
-1.3% QoQ
|
+8.16% |
15.91%
+1.4% YoY
|
17.16%
+0.2% YoY
|
17.09%
+0.8% YoY
|
Top 7.7% in tier |
| Non-Interest Income / Assets ? |
0.11%
-17.9% YoY
+94.9% QoQ
|
-0.45% |
0.57%
+7.6% YoY
|
0.29%
+23.1% YoY
|
0.66%
+5.2% YoY
|
23% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
15.1%
-0.4pp YoY +1.2pp QoQ |
-7.1pp | 22.1% | 21.7% | 22.2% | 24% |
| Brokered Deposits | n/a | n/a | 7.9% | 10.6% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
0.3%
-0.7pp YoY -0.1pp QoQ |
-11.2pp | 11.6% | 9.8% | 12.5% | 1% |
| CRE |
19.1%
+2.8pp YoY +1.1pp QoQ |
-20.5pp | 39.5% | 43.3% | 41.4% | 16% |
| 1-4 Family |
80.6%
-1.7pp YoY -0.7pp QoQ |
+48.0pp | 32.6% | 44.4% | 31.3% | 97% |
| Consumer |
0.5%
0.0pp YoY 0.0pp QoQ |
-3.6pp | 4.1% | 4.5% | 5.0% | 17% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
24.1%
-0.8pp YoY -0.3pp QoQ |
+5.2pp | 18.8% | 18.1% | 19.7% | 87% |
| Leverage Ratio |
13.6%
0.0pp YoY +0.1pp QoQ |
+1.4pp | 12.2% | 12.3% | 12.6% | 79% |
| Total Capital Ratio |
25.1%
-0.7pp YoY -0.3pp QoQ |
+5.2pp | 19.9% | 19.1% | 20.8% | 87% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
71
-3 (-4.1%) YoY -3 (-4.1%) QoQ |
+12 | 58 | 174 | 482 | 72% |
| Assets per Employee ($) |
$9.6M
+5.8% YoY +6.5% QoQ |
+$2.1M | $7.5M | $7.8M | $8.8M | 84% |
| Branch Count |
8
0 YoY 0 QoQ |
+3 | 4 | 12 | 18 | 82% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.0% | 0.4% | n/a |
| Nonaccrual |
0.3%
+0.1pp YoY +0.1pp QoQ |
-0.6pp | 0.9% | 0.5% | 1.0% | 41% |
| Allowance Coverage |
2.29x
-15.4% YoY -41.0% QoQ |
-21.86x | 24.15x | 15.59x | 20.23x | 51% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 23% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
6.2%
-0.3pp YoY +0.5pp QoQ |
-6.0pp | 12.2% | 11.7% | 11.6% | 18% |
| Cost of Funds (YTD) |
1.8%
-0.1pp YoY 0.0pp QoQ |
+0.1pp | 1.7% | 1.6% | 1.7% | 58% |
| Net Income ($, YTD) |
$2.5M
+0.4% YoY — QoQ |
-$14K | $2.6M | $9.6M | $40.4M | 63% |
Get Full Access to Oconee Federal Savings and Loan Association
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (4)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.