Oconee State Bank

Overview / Commentary
35 North Main Street
Watkinsville, GA 30677

Oconee State Bank is headquartered in Watkinsville and is the 33rd largest bank in the state of Georgia. It is also the 1,698th largest bank in the nation. It was established in 1960 and as of June of 2020, it had grown to 97 employees at 5 locations. Oconee State Bank has a B health rating.


No reviews have been left for this bank yet. Be the first to review.


Health Grade Components

FDIC Certificate #18143
Year Established1960
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.5%
Return on Equity - YTD5.83%
Annual Interest Income$7.9MM
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$469.1MM$349.5MM
LoansQ2 2020vs Q2 2019$325.5MM$236.9MM
DepositsQ2 2020vs Q2 2019$400.4MM$315.9MM
Equity CapitalQ2 2020vs Q2 2019$36.6MM$32.9MM
Loan Loss AllowanceQ2 2020vs Q2 2019$3.5MM$2.5MM
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$6.0MM$637.00K
Real Estate OwnedQ2 2020vs Q2 2019$0$0
Report an Issue

Always verify rates and promotions with the bank or credit union. We are not Oconee State Bank; we are a rate comparison website and cannot provide official rates or promotions.

* 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

0.10%--Regular Savings
0.10%--OSB Kids Savings
0.10%--Business Savings

Oconee State Bank Money Market Rates

0.40%*$250k*-Commercial Insured Money Market
OTHER TIERS: 0.10% Up to $25k | 0.20% $25k - $100k | 0.25% $100k - $250k
0.20%*$25k*-Insured Money Market
OTHER TIERS: 0.10% Up to $2.5k | 0.15% $2.5k - $25k

Oconee State Bank Checking Account Rates

0.20%*$100k*-Business Interest Checking
OTHER TIERS: 0.05% Up to $10k | 0.10% $10k - $50k | 0.15% $50k - $100k
0.05%$1k-Essential Plus Checking

Oconee State Bank CD Rates

1.00%$500-60 Month CD
0.75%$500-24 Month CD (Fixed)
0.75%$500-36 Month CD
0.75%$500-48 Month CD
0.70%$500-24 Month CD (Upgrade)
0.65%$500-12 Month CD
0.65%$500-18 Month CD
0.40%$500-6 Month CD
0.25%$500-3 Month CD

Oconee State Bank IRA Rates

0.70%$500-24 Month IRA (Upgrade)
0.65%$500-12 Month IRA
0.65%$500-18 Month IRA
0.40%$500-6 Month IRA

Oconee State Bank Locations
Butler's Crossing Branch2000 Experiment Station RdWatkinsville, GA 30677
Bogart Branch2441 Monroe HighwayBogart, GA 30622
Oconee State Bank35 North Main StreetWatkinsville, GA 30677
Gwinnett Financial Center Branch1755 North Brown RoadLawrenceville, GA 30043

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.