Oconee State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Oconee State Bank of Watkinsville, GA against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.93% | 1.25% | -0.32% | 28th below |
| ROAE | 9.99% | 12.22% | -2.23% | 35th below |
| Net Interest Margin | 4.33% | 3.95% | +0.38% | 72nd above |
| Efficiency Ratio | 70.20% | 63.71% | +6.49% | 27th below |
| PPNR / Avg Assets | 1.49% | — | — | 43rd below |
| Yield on Earning Assets | 5.82% | 5.67% | +0.15% | 59th above |
| Cost of Funds | 1.60% | 1.87% | -0.27% | 63rd above |
| Net Interest Spread | 3.83% | — | — | 75th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.83% | 0.88% | +1.95% | 7th bottom |
| NPA / Total Assets | 2.07% | — | — | 7th bottom |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 1.35% | — | — | 67th above |
| ACL / NPLs (Coverage) | 47.64% | — | — | 9th bottom |
| Texas Ratio | 20.05% | 5.96% | +14.09% | 5th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.88% | 17.18% | -4.30% | 26th below |
| Tier 1 Ratio | 12.88% | 17.21% | -4.33% | 26th below |
| Total Capital Ratio | 14.13% | — | — | 28th below |
| Leverage Ratio | 9.98% | 11.75% | -1.77% | 31st below |
| Equity / Assets | 9.25% | 10.98% | -1.73% | 31st below |
| TCE / Tangible Assets | 9.04% | — | — | 31st below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 82.73% | 80.44% | +2.29% | 46th below |
| Core Deposit Ratio | 93.27% | 86.95% | +6.32% | 75th top |
| Wholesale Funding Ratio | 1.34% | — | — | 77th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 11.04% | — | — | 85th top |
| Loan Growth (Y/Y) | 16.24% | — | — | 88th top |
| Deposit Growth (Y/Y) | 11.70% | — | — | 87th top |
See Oconee State Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Oconee State Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Oconee State Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Oconee State Bank peer analysis.