Oconee State Bank
Major Rating Factors:
Excellent current capitalization (7.8 on a scale of 0 to 10) based on a risk-based capital ratio of 14.5 and a capital leverage ratio of 9.5. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.9 on a scale of 0 to 10).
Other Rating Factors:
A current level of 7.9 percent of nonperforming loans to core capital combined with 10.9 percent from a year earlier contributes to the Good asset quality (5.1). Fair liquidity 3.4, driven by a liquidity ratio of 33.3 percent and a “hot money” ratio of 11.2 percent.
Asset Mix:
Comm re (36%), securities (25%), home mtgs (12%), cash (9%), comm loans (3%), home eq lns (3%), consumer loans (0%), other (12%)
States with Branches:
GA
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Oconee Financial Corporation
Investment Rating
Address
41 North Main Street
Watkinsville, GA 30677
Watkinsville, GA 30677
Phone Number
(706) 769-6611
Year Founded
1960
FDIC Number
Website
Largest Affiliates
No affiliate information available.