Oconee State Bank
Watkinsville, GA · State Bank, Not a Federal Reserve Member · Part of OCONEE FINANCIAL CORP
Summary
- Total assets: $744 million
- Total deposits: $658 million
- Total loans: $545 million
- Data as of June 30, 2026
Loan portfolio
Share of the bank's loans in each category.
| Construction & land | 6.3% |
| Multifamily | 5.4% |
| Owner-occupied commercial real estate | 34.0% |
| Non-owner-occupied commercial real estate | 24.5% |
| Residential | 24.1% |
| Commercial & industrial | 4.9% |
| Consumer & other | 0.8% |
Health indicators
- Tier 1 leverage ratio: 9.98%
- Total risk-based capital ratio: 14.13%
- Noncurrent loans: 2.83%
- Net charge-offs: 0.02%
- Return on assets: 0.81%
Local footprint
| County | Branches | Deposits |
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