Oconee State Bank

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LOCATIONS

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

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Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

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Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

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Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

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Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

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Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

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 27^th largest bank in the state of Georgia. It is also the 1,475^th largest bank in the nation. It was established in 1960 and as of March of 2025, it had grown to 101 employees at 7 locations. Oconee State Bank has a B+ health rating.

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Health

B+

Data as of Q1 2025

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Health Grade Components

Overall
FDIC Certificate #	18143
Year Established	1960
Employees	101
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.71%
Return on Equity - YTD	8.56%
Annual Interest Income	$8.5MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$645.9MM$585.5MM
Loans	Q1 2025vs Q1 2024	$419MM$349.8MM
Deposits	Q1 2025vs Q1 2024	$576.7MM$532.7MM
Equity Capital	Q1 2025vs Q1 2024	$53.5MM$47.5MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$5.7MM$4.7MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$5.2MM$5.1MM
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

Sorry, we do not have rate data for Oconee State Bank.

Locations

Oconee State Bank Locations
Bogart Branch	2441 Monroe Highway	Bogart, GA 30622
Oconee State Bank	35 N Main St	Watkinsville, GA 30677
Gwinnett Financial Center Branch	2055 Sugarloaf Circle	Duluth, GA 30097
Athens Financial Center Branch	One Press Place	Athens, GA 30601

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