Oconee State Bank
Watkinsville, GA
IDRSSD: 573036
Total Assets
$688.99M
Latest filing
Total Deposits
$607.85M
Latest filing
Net Interest Margin
4.47%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Oconee State Bank
35 N Main St
Watkinsville, GA 30677
Full Service - Brick and Mortar
Updated 11/14/2025Established 02/01/1960FDIC Certificate 12064
Branches (6)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Oconee State Bank (Main) | 35 N Main St | Watkinsville, GA |
| BOGART BRANCH | 2441 Monroe Hwy | Bogart, GA |
| MORTGAGE OFFICE BRANCH | Durham Street, Unit 10, Oakhill Office Condominiums | Watkinsville, GA |
| ELBERTON BRANCH | 6 E Church St | Elberton, GA |
| GWINNETT FINANCIAL CENTER BRANCH | 2055 Sugarloaf Cir | Duluth, GA |
| ATHENS FINANCIAL CENTER BRANCH | 1 Press Pl | Athens, GA |
| MACON FINANCIAL CENTER BRANCH | 305 Third Street | Macon, GA |
Showing 6 of 6
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 02/01/1960 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 30677 |
| State and County Number | 13219 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Athens-Clarke County, GA |
Operational Info
| Number of Employees | 107 |
| Domestic Offices | 7 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 07/31/2023 |
| Date of Deposit Insurance | 02/01/1960 |
| Primary Insurance Agency | DIF |
| Website | www.oconeestatebank.com |
| Data Updated | 11/14/2025 |
| CERT | 18143 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $688.99M |
| Total Deposits | $607.85M |
| Total Liabilities | $625.03M |
| Total Equity Capital | $63.95M |
| Net Income | $2.00M |
| Net Loans and Leases | $466.31M |
| Assets Per Employee ($Millions) | $6.32M |
| Bank Premises and Fixed Assets | $11.68M |
| Cash and Balances due from Depository Institutions | $40.42M |
| Deposits Held in Domestic Offices | $607.85M |
Key Performance Ratios
| Return on Assets (ROA) | 1.18% |
| Return on Equity (ROE) | 13.35% |
| Net Interest Margin | 4.47% |
| Efficiency Ratio | 68.79% |
| Tier 1 Risk-Based Capital Ratio | 13.425% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.12% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.282% |
| Earning Assets to total Assets | 94.49% |
Income and Expense
| Total Interest Income | $9.71M |
| Total Noninterest Income | $1.69M |
| Total Interest Expense | $2.54M |
| Total Noninterest Expense | $6.12M |
| Net Interest Income | $7.17M |
| Pre-tax Net Operating Income | $2.54M |
| Provision for Credit Losses | $198.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $10.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $7.18M |
| Total Liabilities and Capital | $688.99M |
Securities
| Securities | $147.22M |
| Available-for-sale debt securities | $147.22M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Oconee State Bank?
$688.99M as of the latest filing.
How much are Oconee State Bank's total deposits?
$607.85M in total deposits.
Where is Oconee State Bank located?
Watkinsville, GA.
What is the Net Interest Margin?
4.47%.
How many domestic offices does it operate?
7.
When was it established?
02/01/1960.
What is the Return on Assets (ROA)?
1.18%.
How much are total loans and leases?
$466.31M (latest filing).
What is the total interest income (latest filing)?
$9.71M.