TellerScore

Oconee State Bank (FDIC certificate #18143) is based in Watkinsville, Georgia. Its Q2 2026 call report shows $744.1M in total assets and $658.3M in deposits and 7 offices.

Oconee State Bank has a TellerScore of 44 out of 100 (below average) based on Q2 2026 data — higher than only 4% of its 2,650 banks with $100 million – $1 billion. Among 124 banks headquartered in Georgia, it ranks 120th. Funding & liquidity contributes the most (70/100, 82% loans-to-deposits, 22% uninsured); loan quality contributes the least (6/100, 2.83%).

TellerScore · Q2 2026

Scorecard

Capital cushion50/100
Tier 1 leverage ratio: 9.98%
Loan quality6/100
Noncurrent loans ÷ total loans: 2.83%
Earnings53/100
Return on assets (annualized): 0.81%
Funding & liquidity70/100
Loans ÷ deposits and uninsured-deposit share: 81.6% · 22.5% uninsured
Problem-loan coverage60/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 20.22%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 15 points (59 → 44), mostly because the loan quality component weakened by 56 points.

TellerScore
445362Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202461
Q3 202461
Q4 202460
Q1 202558
Q2 202559
Q3 202562
Q4 202560
Q1 202654
Q2 202644
Tier 1 leverage ratio
5.00%7.51%10.02%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 20249.68%
Q3 20249.54%
Q4 20249.24%
Q1 20259.37%
Q2 20259.24%
Q3 202510.02%
Q4 20259.53%
Q1 20269.77%
Q2 20269.98%
Noncurrent loans
1.15%1.99%2.83%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20241.36%
Q3 20241.30%
Q4 20241.22%
Q1 20251.25%
Q2 20251.15%
Q3 20251.23%
Q4 20251.29%
Q1 20261.69%
Q2 20262.83%
Return on assets
0.71%0.87%1.03%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.92%
Q3 20240.93%
Q4 20240.89%
Q1 20250.71%
Q2 20250.95%
Q3 20251.03%
Q4 20250.98%
Q1 20260.71%
Q2 20260.81%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202644$744.1M9.98%2.83%0.81%81.6%
Q1 202654$722.4M9.77%1.69%0.71%77.8%
Q4 202560$733.9M9.53%1.29%0.98%73.4%
Q3 202562$689.0M10.02%1.23%1.03%76.7%
Q2 202559$670.2M9.24%1.15%0.95%78.5%
Q1 202558$645.9M9.37%1.25%0.71%72.7%
Q4 202460$639.9M9.24%1.22%0.89%71.2%
Q3 202461$621.8M9.54%1.30%0.93%69.3%
Q2 202461$602.2M9.68%1.36%0.92%69.0%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.98%
31st
Total risk-based capital14.13%
63rd
Problem loans2.83%
7th
Net charge-offs0.02%
37th
Return on assets0.81%
24th
Net interest margin4.19%
65th
Efficiency ratio73.0%
24th
Loans to deposits81.6%
46th
Uninsured deposits22.5%
55th
Loan-loss reserves1.35%
67th
Texas ratio20.2%
6th

Similar-size banks in Georgia

InstitutionScoreAssetsCapitalProblem loansCompare
Fnb SouthBank Alma, GA95 out of 100, Very strong$734.8M16.2%0.00%vs
First National Community BankBank Chatsworth, GA84 out of 100, Strong$754.7M12.9%0.43%vs
Citizens Trust BankBank Atlanta, GA71 out of 100, Strong$790.3M13.2%1.63%vs
PromiseOne BankBank Duluth, GA68 out of 100, Moderate$812.2M10.1%0.81%vs
First State Bank of BlakelyBank Blakely, GA65 out of 100, Moderate$668.2M19.2%3.36%vs
Barwick Banking CompanyBank Barwick, GA57 out of 100, Moderate$829.6M8.7%0.49%vs

Deposit insurance

Is my money safe at Oconee State Bank?

Yes. Oconee State Bank is an FDIC-insured institution (FDIC certificate #18143). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 22.5% of deposits ($148.0M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.98%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.13% (benchmark: 10%).

Check how much of your own balance is covered

7 locations

Branches

Oconee State Bank lists 6 offices in 6 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Oconee State Bank reported 368 home-loan applications under HMDA (LEI 254900OPB6J0NM26JY33): 278 originated ($84,920,000 total), 18 denied, and 70 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Oconee State Bank
Type
State-chartered bank
FDIC certificate #
18143
RSSD ID
573036
Primary regulator
FDIC
Holding company
Oconee Financial Corp
Established
February 1, 1960
Headquarters
35 N Main St, Watkinsville, GA 30677
Employees
111

Quick answers

Oconee State Bank: common questions

Is Oconee State Bank FDIC insured?

Yes. Oconee State Bank is an FDIC-insured institution (FDIC certificate #18143). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Oconee State Bank's TellerScore?

44 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Oconee State Bank ever failed?

There is no failure record for FDIC certificate #18143 in the FDIC failed bank list.

How many branches does Oconee State Bank have?

7 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Watkinsville

InstitutionScoreAssetsCapitalProblem loansCompare
Robins Financial Credit UnionCredit union Warner Robins, GA94 out of 100, Very strong$5.0B17.6%0.40%vs
Northeast Georgia BankBank Lavonia, GA93 out of 100, Very strong$650.6M13.4%0.01%vs
United BankBank Zebulon, GA89 out of 100, Very strong$2.2B12.8%0.23%vs
Magnolia State BankBank Eastman, GA87 out of 100, Very strong$198.7M15.6%1.21%vs
First American Bank and Trust CompanyBank Athens, GA86 out of 100, Very strong$901.9M13.3%0.00%vs
Southern Energy Credit UnionCredit union Birmingham, AL84 out of 100, Strong$3.6B14.6%0.23%vs