OCONEE STATE BANK
OCONEE STATE BANK is an FDIC-insured commercial bank headquartered in WATKINSVILLE, GA, established in 1960. As of , 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 4.15%. CET1 capital ratio: 13.50%, well above regulatory minimums. NPL ratio: 1.29% · Texas Ratio: 8.54%. Operates 6 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Oconee State Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 13.50% | 0.84% | 1.29% | 8.54% | 4.15% |
| 2025-09-30 | 13.43% | 1.18% | 1.13% | 7.58% | 4.37% |
| 2025-06-30 | 12.15% | 1.19% | 1.14% | 8.63% | 4.29% |
| 2025-03-31 | 12.57% | 0.71% | 1.25% | 8.99% | 4.10% |
| 2024-12-31 | 13.02% | 0.80% | 1.22% | 8.62% | 4.02% |
| 2024-09-30 | 13.33% | 0.94% | 1.30% | 8.81% | 4.15% |
| 2024-06-30 | 13.16% | 0.88% | 1.36% | 9.40% | 4.09% |
| 2024-03-31 | 13.72% | 0.97% | 1.44% | 9.79% | 3.95% |
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Frequently asked about OCONEE STATE BANK
What are Oconee State Bank's total assets?
As of the Q4 2025 filing, Oconee State Bank reported total assets of $733.9 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Oconee State Bank headquartered?
Oconee State Bank is headquartered in WATKINSVILLE, GA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Oconee State Bank founded?
Oconee State Bank was established in 1960, per the FDIC institution directory.
Is Oconee State Bank FDIC-insured?
Yes. Oconee State Bank is an FDIC-insured commercial bank (FDIC Certificate #18143). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Oconee State Bank?
Oconee State Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Oconee State Bank's CET1 capital ratio?
Oconee State Bank reported a Common Equity Tier 1 (CET1) capital ratio of 13.50% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Oconee State Bank operate?
Oconee State Bank operates 6 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Oconee State Bank's Texas Ratio?
Oconee State Bank's Texas Ratio is 8.54% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.