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Oconee State Bank
Watkinsville, GA · FDIC Certificate #18143 · Chartered 02/0
Total assets
$744.12M
Total deposits
$658.35M
Total equity
$68.87M
Net loans
$537.28M
Branches (offices)
6
Net income (YTD)
$2.99M
Rank: #1,317 of 4,213 U.S. banks by assets · #21 of 123 in Georgia. Assets changed 11.0% and deposits 11.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.81% |
| Return on equity | 8.87% |
| Net interest margin (YTD) | 4.19% |
| Equity to assets | 9.25% |
| Tier 1 leverage ratio | 9.98% |
| Uninsured deposits (share of deposits) | 22.5% |
| Noncurrent loans (share of loans) | 2.83% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 81.6% |
| Real estate loans (share of loans) | 96.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $516.44M | 96.1% | |
| Commercial & industrial | $26.82M | 5.0% | |
| Consumer / individual | $2.67M | 0.5% | |
| Construction & development | $34.12M | 6.4% | |
| Agricultural | $9.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $505.75M | $467.17M | $2.10M | $36.34M |
| Jun 2023 | $525.76M | $469.31M | $2.42M | $40.19M |
| Jun 2024 | $602.15M | $537.63M | $2.73M | $49.43M |
| Jun 2025 | $670.16M | $589.37M | $3.10M | $55.88M |
| Jun 2026 | $744.12M | $658.35M | $2.99M | $68.87M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $658.35M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $658.35M.
Similar-sized banks
Bank Of Prairie Du Sac ($744.55M) · The National Capital Bank Of Washington ($742.18M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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