Oconee State Bank


Overview / Commentary
706-769-6611
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 1,675th largest bank in the nation. It was established in 1960 and as of September of 2021, it had grown to 82 employees at 6 locations. Oconee State Bank has a B+ health rating.

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Health
B+

Health Grade Components

Overall
FDIC Certificate #18143
Year Established1960
Employees82
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.7%
Return on Equity - YTD8.09%
Annual Interest Income$12.8MM
Assets and Liabilities
AssetsQ3 2021vs Q3 2020$532.1MM$469.4MM
LoansQ3 2021vs Q3 2020$299.7MM$336.0MM
DepositsQ3 2021vs Q3 2020$484.4MM$396.1MM
Equity CapitalQ3 2021vs Q3 2020$45.7MM$42.3MM
Loan Loss AllowanceQ3 2021vs Q3 2020$4.3MM$4.0MM
Unbacked Noncurrent LoansQ3 2021vs Q3 2020$5.8MM$6.5MM
Real Estate OwnedQ3 2021vs Q3 2020$0$0
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%--Regular Savings
0.05%--OSB Kids Savings
0.05%--Business Savings

Oconee State Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%--Insured Money Market
0.05%--Commercial Insured Money Market

Oconee State Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.01%--Business Interest Checking
0.01%$1k-Essential Plus Checking

Oconee State Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%$500-60 Month CD
0.30%$500-36 Month CD
0.30%$500-48 Month CD
0.20%$500-24 Month CD (Fixed)
0.10%$500-18 Month CD
0.05%$500-3 Month CD
0.05%$500-6 Month CD
0.05%$500-12 Month CD

Oconee State Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$500-18 Month IRA
0.05%$500-6 Month IRA
0.05%$500-12 Month IRA
Locations


Oconee State Bank Locations
Butler's Crossing Branch1010 Park DrWatkinsville, 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
Athens Financial Center BranchOne Press PlaceAthens, GA 30601

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