Overview / Commentary
706-769-6611
35 North Main Street
Watkinsville, GA 30677

Oconee State Bank is headquartered in Watkinsville and is the 41st largest bank in the state of Georgia. It is also the 2,010th largest bank in the nation. It was established in 1960 and as of September of 2018, it had grown to 93 employees at 5 locations. Oconee State Bank has a B+ health rating.

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Health
B+

Health Grade Components

Overall
FDIC Certificate #18143
Year Established1960
Employees93
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.45%
Return on Equity - YTD5.2%
Annual Interest Income$9.3MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$331.1MM$330.5MM
LoansQ3 2018vs Q3 2017$217.7MM$150.2MM
DepositsQ3 2018vs Q3 2017$301.4MM$299.2MM
Equity CapitalQ3 2018vs Q3 2017$29.2MM$30.7MM
Loan Loss AllowanceQ3 2018vs Q3 2017$2.2MM$2.0MM
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$805.00K$796.00K
Real Estate OwnedQ3 2018vs Q3 2017$0$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%--Regular Savings
0.15%--OSB Kids Savings

Oconee State Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$25k*-Insured Money Market
OTHER TIERS: 0.15% Up to $2.5k | 0.20% $2.5k - $25k
0.25%*$50k*-Commercial Insured Money Market
OTHER TIERS: 0.15% Up to $2.5k | 0.20% $2.5k - $50k

Oconee State Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$1.5k-Business Interest Checking
0.10%$1k-Essential Plus Checking

Oconee State Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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 Branch2000 Experiment Station RoadWatkinsville, 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

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