Bank · FDIC insured
Oconee State Bank
A $744.1M bank headquartered in Watkinsville, GA, with 6 branches in Georgia.
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Oconee State Bank
Operating since 1960, Oconee State Bank has locations in Watkinsville, Athens, Bogart, Gwinnett, Macon, and Elberton.
- Headquarters
- 35 N Main St, Watkinsville, GA 30677
- FDIC certificate
- 18143 ↗
Branches
6 branches in Georgia
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Georgia
6 branches
Watkinsville area · 1
- Oconee State BankMain office35 N Main St, Watkinsville, GA 30677Directions
Athens area · 1
- Athens Financial Center Branch1 Press Pl, Athens, GA 30601Directions
Bogart area · 1
- Bogart Branch2441 Monroe Hwy, Bogart, GA 30622Directions
Duluth area · 1
- Gwinnett Financial Center Branch2055 Sugarloaf Cir, Duluth, GA 30097Directions
Elberton area · 1
- Elberton Branch6 E Church St, Elberton, GA 30635Directions
Macon area · 1
- Macon Financial Center Branch305 Third Street, Macon, GA 31201Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.98% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 2.83% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.81% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $83 | $81 | — |
- CapitalLeverage ratio9.98%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent2.83%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.81%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$83Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Oconee State Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.