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

Oconee State Bank is headquartered in Watkinsville and is the 45th largest bank in the state of Georgia. It is also the 2,080th largest bank in the nation. It was established in 1960 and as of September of 2016, it had grown to 70 employees at 4 locations. Oconee State Bank has an A+ health rating.

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Health
A+

Health Grade Components

Overall
FDIC Certificate #18143
Year Established1960
Employees70
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.86%
Return on Equity - YTD9.08%
Annual Interest Income$8.2MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$322.8MM$290.4MM
LoansQ3 2016vs Q3 2015$142.6MM$135.9MM
DepositsQ3 2016vs Q3 2015$290.8MM$261.7MM
Equity CapitalQ3 2016vs Q3 2015$30.8MM$27.8MM
Loan Loss AllowanceQ3 2016vs Q3 2015$2.0MM$1.8MM
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$853.00K$3.8MM
Real Estate OwnedQ3 2016vs Q3 2015$36.00K$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
0.15%--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 $2,500 | 0.20% $2,500 - $25k

Oconee State Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

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