Oconee Fs&La (FDIC #30111): Bank Stress & Real-Estate Credit Exposure
Oconee Fs&La (FDIC Cert #30111): bank stress 67/100, elevated, STABLE over 7 days; parent OCONEE FEDERAL MHC.
Oconee Fs&La (#30111) lends in 5 counties across 2 states; Oconee Fs&La (#30111) reaches 51 ZIP codes: South Carolina 3 counties, 36 ZIPs; Georgia 2 counties, 15 ZIPs.
Oconee Fs&La (#30111) largest markets: Pickens County, SC (15 branches, 15 ZIPs) (#30111), Oconee County, SC (52 branches, 13 ZIPs) (#30111), Darlington County, SC (10 branches, 10 ZIPs) (#30111), Rabun County, GA (9 branches, 9 ZIPs) (#30111), Stephens County, GA (6 branches, 6 ZIPs) (#30111).
Oconee Fs&La (#30111) reports $679.4 million in total assets; Oconee Fs&La (#30111) equity $83.2 million (12.3% of Oconee Fs&La (#30111) assets); Oconee Fs&La (#30111) domestic deposits $571.2 million; Oconee Fs&La (#30111) net income $2.5 million; Oconee Fs&La (#30111) return on assets 0.76%; Oconee Fs&La (#30111) return on equity 6.18%; Oconee Fs&La (#30111) net interest income $9.2 million; Oconee Fs&La (#30111) call report June 30, 2026.
Oconee Fs&La (#30111) noncurrent real-estate loans: none reported; Oconee Fs&La (#30111) net charge-offs on real estate 0.33%; Oconee Fs&La (#30111) residential charge-offs 2.88%.
Oconee Fs&La (#30111) net interest margin 2.98% against an eight-quarter Oconee Fs&La (#30111) average of 2.68% (Oconee Fs&La (#30111) compression -0.30 points); Oconee Fs&La (#30111) non-residential real estate 287.9% of equity; Oconee Fs&La (#30111) rate-exposure score 40/100, Oconee Fs&La (#30111) fixed-rate trap 40/100; Oconee Fs&La (#30111) risk type credit driven; Oconee Fs&La (#30111) rate regime rates elevated, Oconee Fs&La (#30111) snapshot October 20, 2026.
Oconee Fs&La (#30111) stress score moved from 66.5 on June 22, 2026 to 67.4 on October 20, 2026; Oconee Fs&La (#30111) ranged 66.5 to 67.4 over 117 snapshots.
Oconee Fs&La (#30111) alerts: 5 counties; top Oconee Fs&La (#30111) alert scores: Clayton County, SC 23 (low); Clemson County, SC 23 (low); Hartsville County, SC 23 (low); Toccoa County, SC 23 (low); Westminster County, SC 23 (low).