B
Oconee State Bank
Rating Date
March 2026
Risk Based
Capital Ratio
14.75
Leverage
Ratio
9.53
Return On
Assets
0.97%
Total
Assets
733.88M
Capital
66.69M
Total
Deposits
649.63M
Net
Income
6.60M
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Weiss Ratings Oconee State Bank
Watkinsville, GA 		Click to
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Rating B
Asset Quality Index 4.10
Capitalization Index 7.80
Liquidity Index 3.10
Profitability Index 4.90
Stability Index 5.80
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 14.69%
5-Year Asset Growth 9.69%
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans 0.08%
Non-Performing Assets to Assets 0.78%
Non-Performing Loans to Capital 7.44%
Non-Performing Loans to Loans 1.29%
Balance Sheet Oconee State Bank
Watkinsville, GA 		Click to
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Total Assets 733.88M
Total Deposits 649.63M
Capital and Reserves Oconee State Bank
Watkinsville, GA 		Click to
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Capital 66.69M
Leverage Ratio 9.53
Loan Loss Reserves to Loans 1.35%
Risk-Based Capital Ratio 14.75
Liquidity Oconee State Bank
Watkinsville, GA 		Click to
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Hot Money Ratio 11.67%
Liquidity Ratio 30.22%
Profitability Oconee State Bank
Watkinsville, GA 		Click to
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5-Year Return on Average Assets 0.81%
Net Income 6.60M
Net Interest Spread 4.22%
Operating Profit to Average Assets 1.21%
Overhead Efficiency Ratio 70.84%
Return on Assets 0.97%
Return on Equity 11.32%