OCONEE FS&LA
SENECA, SOUTH CAROLINA · FDIC Cert #30111
Capital & Safety Analysis
According to FDIC financial data, OCONEE FS&LA holds a Tier 1 capital ratio of 23.99%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning OCONEE FS&LA has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
OCONEE FS&LA shows strong financial health indicators. With $667M in assets and a Health Score of 90/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
OCONEE FS&LA has a Bank Health Score of A (90/100). It holds a Tier 1 capital ratio of 23.99%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
OCONEE FS&LA holds $667M in total assets and $534M in total deposits. It is located in SENECA, SOUTH CAROLINA (FDIC Certificate #30111).
OCONEE FS&LA has a Tier 1 capital ratio of 23.99%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.27%, and the return on assets is 1.86%.
Yes. OCONEE FS&LA is FDIC-insured (Certificate #30111). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.