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 Oconee State Bank
Oconee State Bank
| RSSD ID 573036 | CERTIFICATE 18143 | ABA NUMBER 61113282 |
| 35 N Main St |
Quarter Ended : |
2025-12-31 |
| Watkinsville, Georgia, 30677 |
Updated : |
2026-01-20 |
| 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 : |
111 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 733,880 |
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Total Interest Income | 37,735 |
| Total Liabilities | 667,193 |
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Total NonInterest Income | 6,369 |
| Total Bank Equity Capital | 66,687 |
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Total Interest Expense | 10,148 |
| Total Deposits | 649,631 |
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Total NonInterest Expense | 24,053 |
| Net Loans & Leases | 475,033 |
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Net Income | 6,595 |
| Loan Loss Allowance | 6,529 |
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Net Charge Offs | 365 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 76,732 |
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Total loans | 479,338 |
| Total assets for the leverage ratio | 737,021 |
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Loans secured by real estate: | 449,262 |
| Tier 1 Leverage Ratio | 9.53 |
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Commercial and industrial loans | 27,706 |
| Tier 1 Capital Ratio | 13.5 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 14.75 |
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Loans to individuals - Other | 2,370 |
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:· Oconee State Bank
