OCONEE STATE BANK is amn medium FDIC-insured commercial bank headquartered in WATKINSVILLE, GA, established in Feb. 1, 1960, midnight. As of 2025-12-31, the bank reported total assets of $734M and total deposits of $650M. Profitability stands at 0.84% ROA and 9.19% ROE, with a net interest margin of 4.49%. The bank's CET1 capital ratio is 13.50%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.29% and a Texas Ratio of 8.54%. FDIC Certificate #18143.
Assets
$734M
Deposits
$650M
Loans
$483M
Equity
$67M
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