Oconee State Bank

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 42^nd largest bank in the state of Georgia. It is also the 1,941^st largest bank in the nation. It was established in 1960 and as of June of 2019, it had grown to 92 employees at 5 locations. Oconee State Bank's CD rates are 39% higher than the national average, and it has a B+ health rating.

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Health

B+

Data as of Q2 2019

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Health Grade Components

Overall
FDIC Certificate #	18143
Year Established	1960
Employees	92
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.71%
Return on Equity - YTD	7.88%
Annual Interest Income	$7.0MM

Assets and Liabilities
Assets	Q2 2019vs Q2 2018	$349.5MM$339.3MM
Loans	Q2 2019vs Q2 2018	$236.9MM$208.5MM
Deposits	Q2 2019vs Q2 2018	$315.9MM$309.6MM
Equity Capital	Q2 2019vs Q2 2018	$32.9MM$29.2MM
Loan Loss Allowance	Q2 2019vs Q2 2018	$2.5MM$2.1MM
Unbacked Noncurrent Loans	Q2 2019vs Q2 2018	$637.00K$803.00K
Real Estate Owned	Q2 2019vs Q2 2018	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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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
0.25%	-	-	Regular Savings
0.25%	-	-	OSB Kids Savings
0.25%	-	-	Business Savings

Oconee State Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
2.02%^*	$250k^*	-	Commercial Insured Money Market
OTHER TIERS: 0.25% → Up to $25k \| 0.75% → $25k - $100k \| 1.51% → $100k - $250k
0.40%^*	$25k^*	-	Insured Money Market
OTHER TIERS: 0.20% → Up to $2.5k \| 0.30% → $2.5k - $25k

Oconee State Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.25%^*	$100k^*	-	Business Interest Checking
OTHER TIERS: 0.10% → Up to $10k \| 0.15% → $10k - $50k \| 0.20% → $50k - $100k
0.10%	$1k	-	Essential Plus Checking

Oconee State Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.30%	$500	-	60 Month CD
2.15%	$500	-	48 Month CD
2.00%	$500	-	36 Month CD
1.75%	$500	-	24 Month CD (Fixed)
1.65%	$500	-	24 Month CD (Upgrade)
1.50%	$500	-	18 Month CD
1.25%	$500	-	12 Month CD
0.80%	$500	-	6 Month CD
0.50%	$500	-	3 Month CD

Oconee State Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.65%	$500	-	24 Month IRA (Upgrade)
1.50%	$500	-	18 Month IRA
1.25%	$500	-	12 Month IRA
0.80%	$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
Gwinnett Financial Center Branch	1755 North Brown Road	Lawrenceville, GA 30043

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