Oconee State Bank
Watkinsville, GA · Owner: Oconee Financial Corporation
$744M
total assets, June 30, 2026
$744M
total assets, June 30, 2026
Oconee State Bank is a state nonmember bank based in Watkinsville, GA, owned by Oconee Financial Corporation (OSBK). As of June 30, 2026 it held $744.1 million in assets and $658.3 million in deposits; assets were up 11.0% from a year before. It has 6 branches.
Updated Oct 11, 2026 · numbers as of June 30, 2026
Total assets
$744M
+11.0% in a year · +3.0% in a quarter
Deposits
$658M
+11.7% in a year · +2.9% in a quarter
Loans
$545M
+16.2% in a year · +7.9% in a quarter
Profit so far
$3.0M
Jan 1 to Jun 30, 2026 · -3.5% in a year
Capital ratio
9.98%
+0.74 pts in a year
Return on assets
0.81%
-0.13 pts in a year
Facts
- Type
- State nonmember bank
- Head office
- 35 N Main St, Watkinsville, GA, 30677
- County
- Oconee
- Holding company
- Oconee Financial Corporation (OSBK)
- Established
- Feb 1, 1960
- Employees
- 111
- Branches
- 6
- Website
- www.oconeestatebank.com
- Id
- b18143
Quarter by quarter
March 31, 1984 to June 30, 2026
Assets, deposits and loans
Each quarter end, US dollars
Profit by quarter
Net income of each quarter, the last 12
Ratios
Percent. Return on assets and net interest margin are yearly rates.
Branches
6 offices as of June 30, 2026, holding $658.3 million in deposits
Branch map
Every branch, sized by its deposits
| State | Branches | Deposits | Share |
|---|---|---|---|
| Georgia | 6 | $658M | 100.0% |
| Largest branches | Place | Deposits |
|---|---|---|
| Oconee State Bank (main office) | Watkinsville, GA | $365M |
| Bogart Branch | Bogart, GA | $94.9M |
| Gwinnett Financial Center Branch | Duluth, GA | $77.0M |
| Macon Financial Center Branch | Macon, GA | $50.9M |
| Athens Financial Center Branch | Athens, GA | $47.1M |
| Elberton Branch | Elberton, GA | $23.9M |
Related pages
Questions and answers
How big is Oconee State Bank?
$744.1 million in total assets and $658.3 million in deposits as of June 30, 2026, with assets up 11.0% from a year before. Its loans were $544.6 million.
How many branches does Oconee State Bank have?
6 branches in Georgia as of June 30, 2026.
Is Oconee State Bank profitable?
Yes: it earned $2.99 million from January 1 to June 30, 2026 (down 3.5% from the same months a year before). Its return on assets was 0.81% a year; about 1% is typical.
Who owns Oconee State Bank?
Oconee State Bank is owned by Oconee Financial Corporation, its holding company, which is listed as OSBK.
Official public data from the reports every insured bank files each quarter. Profit so far runs from January 1 to the quarter end. Branch deposits are counted once a year, as of June 30. New quarters appear about two months after the quarter ends.