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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 42nd largest bank in the state of Georgia. It is also the 1,948th largest bank in the nation. It was established in 1960 and as of March of 2018, it had grown to 78 employees at 4 locations. Oconee State Bank has an A health rating.

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Health

Health Grade Components

Overall
FDIC Certificate #18143
Year Established1960
Employees78
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.32%
Return on Equity - YTD3.78%
Annual Interest Income$3.0MM
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$350.1MM$330.8MM
LoansQ1 2018vs Q1 2017$185.4MM$144.5MM
DepositsQ1 2018vs Q1 2017$320.9MM$301.3MM
Equity CapitalQ1 2018vs Q1 2017$29.1MM$29.2MM
Loan Loss AllowanceQ1 2018vs Q1 2017$2.0MM$2.0MM
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$764.00K$847.00K
Real Estate OwnedQ1 2018vs Q1 2017$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
0.15%--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%$1,500-Business Interest Checking
0.10%*$1,500*-Essential Plus Checking
OTHER TIERS: 0.05% Up to $1,500

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

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