Is Oconee Fs&La Safe?
Oconee Fs&La has a Bank Health Score of 90/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while liquidity is its weakest area (69/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 23.99% | 100/100 |
| Nonperforming Loan Ratio | 0.27% | 95/100 |
| Liquidity Ratio | 22.34% | 69/100 |
| Return on Assets | 1.86% | 95/100 |
| Total Assets | $0.7B | |
How does Oconee Fs&La compare?
With a Bank Health Score of 90/100, Oconee Fs&La sits 20.0 points above the national average of 70/100 for FDIC-insured banks. Within South Carolina, where 38 FDIC-insured banks are headquartered, Oconee Fs&La ranks above the state average of 74/100 (Grade B).
The bank's Tier 1 capital ratio of 23.99% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.27% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Oconee Fs&La's Bank Health Score improved by 6.0 points to 90/100. Tier 1 capital weakened by 1.59 percentage points to 23.99%.
Oconee Fs&La has a Bank Health Score of 90/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while liquidity is its weakest area (69/100).