BranchWatch

Oconee State Bank

Headquartered in Watkinsville, GA. Part of Oconee Financial Corporation. FDIC certificate #18143 · Federal Reserve RSSD 573036.

Total assets
$722M
Deposits
$640M
Q1 2026
Active branches
7
Closings since Jan 2020
1
2 openings since Jan 2020
All locations →Quarterly financials →

Financial snapshot — Q1 2026

All quarters →
Net income (quarter)
$1M
Return on assets
0.71%
Return on equity
7.80%
Noncurrent loan rate
1.69%

Deposits by year (Summary of Deposits)

0
2019
0
2020
0
2021
0
2022
0
2023
1
2024
1
2025

Values in $ billions, June 30 of each year.

Closings by year

1
2022

Openings by year

1
2021
1
2023

Other network changes since 2020

  • 2 branch relocations
  • 1 branches acquired through purchases or mergers

Branches by state

Georgia 7

Recent closings

All figures transcribed from FDIC BankFind Suite records: structure-change history, quarterly financial reports and the annual Summary of Deposits · bank site: www.oconeestatebank.com.