This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Lamar, SC
Health score
95.8
Total assets
$844.6M
Bank
Seneca, SC
Health score
83.0
Total assets
$679.4M
Answer first
Carolina Bank & Trust Co. leads on financial health and profitability and growth; Oconee Federal Savings and Loan Association leads on capitalization and lending quality. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
Carolina Bank & Trust Co.
Higher TFS health score
Capitalization
Oconee Federal Savings and Loan Association
Higher comparable capital ratio
Profitability
Carolina Bank & Trust Co.
Higher return on assets
Lending quality
Oconee Federal Savings and Loan Association
Lower problem-loan measure
Growth
Carolina Bank & Trust Co.
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | Carolina Bank & Trust Co. | Oconee Federal Savings and Loan Association |
|---|---|---|
| TFS health score | 95.8/100Leads | 83.0/100 |
| Total assets | $844.6M | $679.4M |
| Total deposits / shares | $727.4M | $571.2M |
| Tier 1 capital ratio | 13.51% | 13.55%Leads |
| Return on assets | 1.85%Leads | 0.76% |
| Return on equity | 14.57% |
Carolina Bank & Trust Co.
14 branches
Oconee Federal Savings and Loan Association
8 branches
Both institutions report branches in 1 state: SC.
Carolina Bank & Trust Co.
Unavailable
Oconee Federal Savings and Loan Association
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
Carolina Bank & Trust Co.
0 in TFS registry
Oconee Federal Savings and Loan Association
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | Carolina Bank & Trust Co. score | Carolina Bank & Trust Co. ROA | Oconee Federal Savings and Loan Association score | Oconee Federal Savings and Loan Association ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 1.42% | — | 1.34% |
| 2024-Q4 | — | 1.46% | — | 1.16% |
| 2025-Q1 | — | 1.35% | — | 0.63% |
| 2025-Q2 | — | 1.49% | — | 0.76% |
| 2025-Q3 | — | 1.53% | — | 0.78% |
| 2025-Q4 | — | 1.51% | — | 0.76% |
| 2026-Q1 | 94.2/100 |
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Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Every valid pair is viewable; pairs enter search automatically only when current data, comparability, and visitor interest meet the publication rules.
| 6.18% |
| Non-performing loans | 0.41% | 0.33%Leads |
| Net charge-offs | 0.20% | -0.00%Leads |
| Efficiency ratio | 43.22%Leads | 61.11% |
| Loan-to-deposit ratio | 82.29% | 86.78% |
| Asset growth (YoY) | 4.84%Leads | 1.48% |
| Deposit / share growth (YoY) | 4.10% | 4.19%Leads |
| Branches | 14 | 8 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 1.68% |
| 81.5/100 |
| 0.70% |
| 2026-Q2 | 95.8/100 | 1.85% | 83.0/100 | 0.76% |