B
Oconee State Bank
Rating Date
August 2024
Risk Based
Capital Ratio
14.53
Leverage
Ratio
9.54
Return On
Assets
0.93%
Total
Assets
621.85M
Capital
51.93M
Total
Deposits
548.68M
Net
Income
4.16M
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Weiss Ratings Oconee State Bank
Watkinsville, GA 		Click to
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Rating B
Asset Quality Index 5.10
Capitalization Index 7.80
Liquidity Index 3.40
Profitability Index 3.00
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 www.oconeestatebank.com
Asset Quality Oconee State Bank
Watkinsville, GA 		Click to
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1-Year Asset Growth 7.35%
5-Year Asset Growth 13.67%
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.81%
Non-Performing Loans to Capital 7.91%
Non-Performing Loans to Loans 1.30%
Balance Sheet Oconee State Bank
Watkinsville, GA 		Click to
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Total Assets 621.85M
Total Deposits 548.68M
Capital and Reserves Oconee State Bank
Watkinsville, GA 		Click to
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Capital 51.93M
Leverage Ratio 9.54
Loan Loss Reserves to Loans 1.32%
Risk-Based Capital Ratio 14.53
Liquidity Oconee State Bank
Watkinsville, GA 		Click to
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Hot Money Ratio 11.21%
Liquidity Ratio 33.33%
Profitability Oconee State Bank
Watkinsville, GA 		Click to
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5-Year Return on Average Assets 0.85%
Net Income 4.16M
Net Interest Spread 4.06%
Operating Profit to Average Assets 1.18%
Overhead Efficiency Ratio 72.60%
Return on Assets 0.93%
Return on Equity 11.40%