<?xml version="1.0" encoding="UTF-8"?>
<!-- Generated by http://luca.auditchain.finance -->
<!--2026-05-12 22.59.52-->
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    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="occ_RealEstateFurnitureAndFixtures_lbl">Real Estate, Furniture and Fixtures</label>
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  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="https://raw.githubusercontent.com/seattlemethod/occ/refs/heads/main/base/occ.xsd#occ_SurplusAndUndividedProfits" xlink:label="occ_SurplusAndUndividedProfits" />
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    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="occ_SurplusAndUndividedProfits_lbl">Surplus and Undivided Profits</label>
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    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="occ_CashAndDueFromBanks_lbl">Cash and Due from Banks</label>
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    <loc xlink:type="locator" xlink:href="https://raw.githubusercontent.com/seattlemethod/occ/refs/heads/main/base/occ.xsd#occ_Deposits" xlink:label="occ_Deposits" />
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    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="occ_Liabilities_lbl">Liabilities</label>
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