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 Oconee State Bank
Oconee State Bank
| RSSD ID 573036 | CERTIFICATE 18143 | ABA NUMBER 61113282 |
| 35 N Main St |
Quarter Ended : |
2025-09-30 |
| Watkinsville, Georgia, 30677 |
Updated : |
2025-10-17 |
| www.oconeestatebank.com |
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| Institution Profile |
| Year Opened : |
1960 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
No |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
051 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
7 |
Number of Employees : |
109 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 688,987 |
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Total Interest Income | 27,543 |
| Total Liabilities | 625,035 |
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Total NonInterest Income | 5,144 |
| Total Bank Equity Capital | 63,952 |
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Total Interest Expense | 7,309 |
| Total Deposits | 607,853 |
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Total NonInterest Expense | 17,654 |
| Net Loans & Leases | 463,894 |
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Net Income | 5,095 |
| Loan Loss Allowance | 6,362 |
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Net Charge Offs | 237 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 74,873 |
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Total loans | 468,054 |
| Total assets for the leverage ratio | 683,325 |
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Loans secured by real estate: | 438,409 |
| Tier 1 Leverage Ratio | 10.02 |
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Commercial and industrial loans | 27,237 |
| Tier 1 Capital Ratio | 13.43 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 14.68 |
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Loans to individuals - Other | 2,408 |
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:· Oconee State Bank
