Oconee State Bank
Chartered Bank Active FDIC Insured
Health Score
8.2 / 10
35 N Main St, Watkinsville, GA 30677
Financial Overview
Total Assets $722.4M
Total Deposits $639.7M
Profitability (ROA) 0.71%
Shareholder Return (ROE) 7.80%
Capital Cushion (Eq/Assets) 9.19%
Established 02/01/1960
Risk & Growth Profiles
✓ Clean Regulatory Record
No recent history of FDIC conservatorship or financial failure.
Deposit Momentum
$91.4M avg deposits per branch.
Measures how much capital the bank holds against its physical footprint. A higher ratio indicates a highly liquid, lower-overhead lending profile.
Operations & Contact
Contact
Website: www.oconeestatebank.com
FDIC Certificate #: 18143
Specialization: Commercial Lending Specialization