Oconee State Bank

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Popular Accounts at this Bank

APY	ACCOUNT TYPE	ACCOUNT NAME
1.00%	5-year CD	60 Month CD 2.25% - Bank of Internet USA 60 Month CD
0.40%	1-year CD	12 Month CD 1.50% - Ally Bank No Penalty 11-Month CD
0.15%	Savings	Regular Savings 1.20% - Ally Bank Online Savings Account

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Overview / Commentary

www.oconeestatebank.com

706-769-6611

35 North Main Street
Watkinsville, GA 30677

Oconee State Bank is headquartered in Watkinsville and is the 39^th largest bank in the state of Georgia. It is also the 2,025^th largest bank in the nation. It was established in 1960 and as of June of 2017, it had grown to 68 employees at 4 locations. Oconee State Bank has an A health rating.

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Health

A

Data as of Q2 2017

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Health Grade Components

Overall
FDIC Certificate #	18143
Year Established	1960
Employees	68
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.6%
Return on Equity - YTD	6.8%
Annual Interest Income	$5.2MM

Assets and Liabilities
Assets	Q2 2017vs Q2 2016	$331.0MM$314.2MM
Loans	Q2 2017vs Q2 2016	$143.1MM$142.6MM
Deposits	Q2 2017vs Q2 2016	$299.8MM$282.9MM
Equity Capital	Q2 2017vs Q2 2016	$30.5MM$30.3MM
Loan Loss Allowance	Q2 2017vs Q2 2016	$2.0MM$1.9MM
Unbacked Noncurrent Loans	Q2 2017vs Q2 2016	$819.00K$828.00K
Real Estate Owned	Q2 2017vs Q2 2016	$0$36.00K

Rates

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Oconee State Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.15%	-	-	Regular Savings
0.15%	-	-	OSB Kids Savings

Oconee State Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%^*	$25k^*	-	Insured Money Market
OTHER TIERS: 0.15% → Up to $2,500 \| 0.20% → $2,500 - $25k

Oconee State Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.10%	-	-	High Interest Checking
0.10%	$1,500	-	Business Interest Checking
0.05%	-	-	VIP Free Interest Checking
0.05%	-	-	50+ Free Interest Checking

Oconee State Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%	$500	-	60 Month CD
0.90%	$500	-	48 Month CD
0.70%	$500	-	36 Month CD
0.50%	$500	-	24 Month CD (Fixed)
0.45%	$500	-	18 Month CD
0.45%	$500	-	24 Month CD (Upgrade)
0.40%	$500	-	12 Month CD
0.20%	$500	-	6 Month CD
0.15%	$500	-	3 Month CD

Oconee State Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
0.45%	$500	-	18 Month IRA
0.45%	$500	-	24 Month IRA (Upgrade)
0.40%	$500	-	12 Month IRA
0.20%	$500	-	6 Month IRA

Locations

Oconee State Bank Locations
Butler's Crossing Branch	2000 Experiment Station Road	Watkinsville, GA 30677
Bogart Branch	2441 Monroe Highway	Bogart, GA 30622
Oconee State Bank	35 North Main Street	Watkinsville, GA 30677