Oconee State Bank quarterly financials
As reported to the FDIC. Dollar values are period-end balances. Net income is for the single quarter, derived from the FDIC's year-to-date figures by subtracting the prior quarter's report. Ratios (ROA, ROE, NIM) are FDIC-computed annualized year-to-date values.
| Quarter | Assets | Deposits | Net loans | Equity | Net income | ROA | ROE | NIM | Noncurrent |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $722M | $640M | $498M | $66M | $1M | 0.71% | 7.80% | 4.07% | 1.69% |
| Q4 2025 | $734M | $650M | $477M | $67M | $2M | 0.98% | 11.26% | 4.33% | 1.29% |
| Q3 2025 | $689M | $608M | $466M | $64M | $2M | 1.03% | 12.02% | 4.33% | 1.23% |
| Q2 2025 | $670M | $589M | $462M | $56M | $2M | 0.95% | 11.45% | 4.26% | 1.15% |
| Q1 2025 | $646M | $577M | $419M | $54M | $1M | 0.71% | 8.56% | 4.12% | 1.25% |
| Q4 2024 | $640M | $570M | $406M | $53M | $1M | 0.89% | 10.95% | 4.17% | 1.22% |
| Q3 2024 | $622M | $549M | $380M | $52M | $1M | 0.93% | 11.37% | 4.17% | 1.30% |
| Q2 2024 | $602M | $538M | $371M | $49M | $1M | 0.92% | 11.42% | 4.14% | 1.36% |
| Q1 2024 | $585M | $533M | $350M | $48M | $1M | 0.97% | 12.14% | 4.09% | 1.44% |
| Q4 2023 | $589M | $537M | $343M | $46M | $973K | 1.17% | 15.77% | 4.12% | 1.47% |
| Q3 2023 | $579M | $510M | $335M | $43M | $3M | 1.35% | 18.47% | 4.06% | 1.54% |
| Q2 2023 | $526M | $469M | $301M | $40M | $1M | 0.92% | 12.64% | 4.07% | 1.67% |
Transcribed from FDIC BankFind Suite quarterly financial data (Call Report-derived). Income in Call Reports is filed year-to-date; per-quarter net income shown here is the difference between consecutive reports within the same year. NIM = net interest margin; “Noncurrent” = noncurrent loans as a share of total loans. These figures describe reported financials only and are not a safety rating or a prediction about the institution.