OCONEE STATE BANK is an 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%. CET1 capital ratio: 13.50%, well above regulatory minimums. NPL ratio: 1.29% · Texas Ratio: 8.54%. Operates 6 domestic branches.
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