Branch Network
Oconee State Bank Locations & Branches Watkinsville, Georgia
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Oconee State Bank operates 6 branches from its headquarters in Watkinsville, GA, .
Oconee State Bank branch network
All 6 branches are in GEORGIA, across 6 cities. Its largest office by deposits is its main office in Watkinsville, GA, with $364.5M (55.4% of its branch deposits). It had the same number of branches on June 30, 2025.
Oconee State Bank at a glance
Its CET1 capital ratio was 12.88% at Q2 2026, above regulatory requirements.
- Total assets, Q2 2026
- $744.1M
- CET1 ratio, Q2 2026
- 12.88%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Established
- 1960
Full financial profile · Is Oconee State Bank safe? · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Watkinsville, GA (1 branch) | 1 of 6 | 38.6% | $364.5M |
| State: GA (6 branches) | 37 of 177 | 0.2% | $658.3M |
Ranked by total assets among banks headquartered in the state: Largest banks in Georgia.
Share by county and metro area
Oconee State Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Oconee, GA (2 branches) | 2 of 11 | 24.9% | $459.5M | $1.85B |
| Gwinnett, GA (1 branch) | 30 of 39 | 0.3% | $77.0M | $24.97B |
| Bibb, GA (1 branch) | 11 of 14 | 1.0% | $50.9M | $4.87B |
| Clarke, GA (1 branch) | 15 of 16 | 1.1% | $47.1M | $4.18B |
| Elbert, GA (1 branch) | 4 of 4 | 4.0% | $23.9M | $601.1M |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Athens-Clarke County, GA (3 branches) | 5 of 19 | 7.9% | $506.6M | $6.44B |
| Atlanta-Sandy Springs-Alpharetta, GA (1 branch) | 64 of 81 | <0.1% | $77.0M | $254.61B |
| Macon-Bibb County, GA (1 branch) | 15 of 20 | 0.9% | $50.9M | $5.62B |
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Oconee State Bank (main office) | Watkinsville, GA | 30677 | $364.5M |
| Bogart Branch | Bogart, GA | 30622 | $94.9M |
| Gwinnett Financial Center Branch | Duluth, GA | 30097 | $77.0M |
| Macon Financial Center Branch | Macon, GA | 31201 | $50.9M |
| Athens Financial Center Branch | Athens, GA | 30601 | $47.1M |
| Elberton Branch | Elberton, GA | 30635 | $23.9M |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 18143) · FFIEC NIC profile (RSSD 573036)