Bank · FDIC insured
Oconee Federal
A $679.4M bank headquartered in Seneca, SC, with 8 branches in 2 states.
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Oconee Federal
Headquartered in Seneca, South Carolina, Oconee Federal was chartered in 1924 as Seneca Building and Loan Association and operates as a wholly owned subsidiary of Oconee Federal Financial Corp.
The association became Oconee Savings and Loan in 1958, received a federal charter in 1992, and completed a mutual-to-stock conversion in 2011.
Following acquisitions of Stephens Federal Bank and Mutual Savings Bank, the institution maintains a network of eight retail branch offices.
- Headquarters
- 115 E North 2nd St, Seneca, SC 29678
- FDIC certificate
- 30111 ↗
Branches
8 branches in 2 states
Loading map…
South Carolina
6 branches
Seneca area · 2
- Oconee Federal Savings and Loan AssociationMain office115 E North 2nd St, Seneca, SC 29678Directions
- 813-123 By-Pass Branch813 By Pass 123, Seneca, SC 29678Directions
Clemson area · 1
- Clemson Branch357 Old Greenville Hwy, Clemson, SC 29631Directions
Hartsville area · 1
- Mutual Savings Branch330 W Carolina Ave, Hartsville, SC 29550Directions
Walhalla area · 1
- Broad Street Branch204 W North Broad St, Walhalla, SC 29691Directions
Westminster area · 1
- 111 West Windsor Street Branch111 W Windsor St, Westminster, SC 29693Directions
Georgia
2 branches
Clayton area · 1
- Clayton Branch221 Highway 76 E, Clayton, GA 30525Directions
Toccoa area · 1
- Toccoa Br2859 Highway 17 Alt, Toccoa, GA 30577Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 13.55% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.33% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.76% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $87 | $81 | — |
- CapitalLeverage ratio13.55%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.33%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.76%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$87Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Oconee Federal are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.