OCONEE STATE BANK

WATKINSVILLE, GA | Medium | Est. Feb. 1, 1960, midnight | FDIC #18143 | RSSD #573036 | FDIC
Latest Report: 2025-12-31

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

Profitability

Return on Assets (ROA) 0.84%
Return on Equity (ROE) 9.19%
Net Interest Margin (NIM) 4.49%
Yield on Assets 6.23%
Cost of Funds 1.78%

Asset Quality

NPL Ratio 1.29%
Net Charge-Off Ratio 0.08%
Texas Ratio 8.54%
NPA Ratio 0.85%
ACL / Loans 1.35%

Capital & Liquidity

CET1 Ratio 13.50%
Tier 1 Capital 13.50%
Total Capital Ratio 14.75%
Leverage Ratio 9.53%
Loan-to-Deposit 74.42%

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