B
Oconee State Bank
Rating Date
August 2026
Risk Based
Capital Ratio
14.14
Leverage
Ratio
9.98
Return On
Assets
0.82%
Total
Assets
744.12M
Capital
68.87M
Total
Deposits
658.35M
Net
Income
2.99M
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Weiss Ratings Oconee State Bank
Watkinsville, GA 		Click to
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Rating B
Asset Quality Index 2.10
Capitalization Index 8.50
Liquidity Index 2.50
Profitability Index 4.30
Stability Index 5.90
Company Info Oconee State Bank
Watkinsville, GA 		Click to
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FDIC Number 18143
Phone Number (706) 769-6611
Website oconeestatebank.com
Asset Quality Oconee State Bank
Watkinsville, GA 		Click to
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1-Year Asset Growth 11.04%
5-Year Asset Growth 9.69%
5-Year Charge-Offs to Average Loans 0.02%
Charge-Offs to Average Loans 0.02%
Non-Performing Assets to Assets 2.00%
Non-Performing Loans to Capital 18.74%
Non-Performing Loans to Loans 2.82%
Balance Sheet Oconee State Bank
Watkinsville, GA 		Click to
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Total Assets 744.12M
Total Deposits 658.35M
Capital and Reserves Oconee State Bank
Watkinsville, GA 		Click to
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Capital 68.87M
Leverage Ratio 9.98
Loan Loss Reserves to Loans 1.35%
Risk-Based Capital Ratio 14.14
Liquidity Oconee State Bank
Watkinsville, GA 		Click to
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Hot Money Ratio 12.02%
Liquidity Ratio 22.61%
Profitability Oconee State Bank
Watkinsville, GA 		Click to
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5-Year Return on Average Assets 0.91%
Net Income 2.99M
Net Interest Spread 4.19%
Operating Profit to Average Assets 1.04%
Overhead Efficiency Ratio 73.26%
Return on Assets 0.82%
Return on Equity 8.90%