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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 37th largest bank in the state of Georgia. It is also the 1,764th largest bank in the nation. It was established in 1960 and as of December of 2019, it had grown to 99 employees at 5 locations. Oconee State Bank has a B health rating.

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Health
B

Data as of Q4 2019

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #18143
Year Established1960
Employees99
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.06%
Return on Equity - YTD11.69%
Annual Interest Income$14.5MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$399.5MM$349.8MM
LoansQ4 2019vs Q4 2018$250.3MM$222.5MM
DepositsQ4 2019vs Q4 2018$361.6MM$318.5MM
Equity CapitalQ4 2019vs Q4 2018$35.5MM$30.6MM
Loan Loss AllowanceQ4 2019vs Q4 2018$2.8MM$2.2MM
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$6.5MM$692.00K
Real Estate OwnedQ4 2019vs Q4 2018$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Oconee State Bank; we are a rate comparison website and cannot provide official rates or promotions.

* 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
0.10%--Regular Savings
0.10%--OSB Kids Savings
0.10%--Business Savings

Oconee State Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%*$250k*-Commercial Insured Money Market
OTHER TIERS: 0.10% → Up to $25k | 0.40% → $25k - $100k | 0.50% → $100k - $250k
0.20%*$25k*-Insured Money Market
OTHER TIERS: 0.10% → Up to $2.5k | 0.15% → $2.5k - $25k

Oconee State Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%*$100k*-Business Interest Checking
OTHER TIERS: 0.05% → Up to $10k | 0.10% → $10k - $50k | 0.15% → $50k - $100k
0.10%$1k-Essential Plus Checking

Oconee State Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%$500-36 Month CD
1.00%$500-48 Month CD
1.00%$500-60 Month CD
0.90%$500-24 Month CD (Fixed)
0.80%$500-24 Month CD (Upgrade)
0.75%$500-12 Month CD
0.75%$500-18 Month CD
0.50%$500-6 Month CD
0.25%$500-3 Month CD

Oconee State Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.80%$500-24 Month IRA (Upgrade)
0.75%$500-12 Month IRA
0.75%$500-18 Month IRA
0.50%$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
Gwinnett Financial Center Branch1755 North Brown RoadLawrenceville, GA 30043

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