Bank Safety Analysis
Is Oconee State Bank Safe? Watkinsville, Georgia
Based on its Q2 2026 call report, Oconee State Bank meets every capital ratio test for well capitalized, its Texas ratio is 20.05%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer
On its Q2 2026 call report, Oconee State Bank's CET1 ratio is 12.88%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q2 2026): 12.88%
- Tier 1 leverage ratio (Q2 2026): 9.98%
- Texas ratio (Q2 2026): 20.05%
- Noncurrent loans ratio (Q2 2026): 2.83%
Oconee State Bank is an FDIC-insured commercial bank (FDIC Certificate #18143). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Context: largest US bank failures · what these ratios mean · how we score.
Oconee State Bank meets regulatory minimums but is on the watch band for 1 of 5 safety dimensions. 1 risk screen is flagged: commercial real estate to capital. Analysis based on the Q2 2026 call report.
The standout move of Q2 2026 was in nonperforming loan ratio (nonaccrual plus 90+ days past due): 1.14 percentage points higher than in Q1 2026, at 2.83%. Within Georgia, Oconee State Bank is 68th of 78 on CET1 ratio, 12.88% as of Q2 2026. Oconee State Bank reported 12.88% on CET1 ratio for Q2 2026, 2.20 points below the 15.08% median for banks in the $100M-1B asset tier. From Q3 2023 to Q2 2026, Oconee State Bank's CET1 ratio ranged between 12.15% (Q2 2025) and 13.75% (Q4 2023) and its Texas ratio ranged between 8.00% (Q4 2025) and 20.05% (Q2 2026). Between Q2 2025 and Q2 2026, Oconee State Bank's CET1 ratio rose from 12.15% to 12.88%, nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 1.15% to 2.83%, Texas ratio rose from 8.70% to 20.05% and return on assets fell from 1.17% to 0.93%.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating. Held-out test AUC 0.910 for the 1-year horizon (v20261026_025757). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. The risk tier comes from the composite score; the 12-month figure rounds to zero for this bank, so it is not shown beside a tier above Low. See the methodology. This is not investment advice or a credit rating.
Scorecard by dimension
Peer cohort: $100M to $1B (2,757 banks) · Industry averages as of Q2 2026.
CET1 of 12.88% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 9.98% is above the 5% well-capitalized threshold.
Nonperforming loans at 2.83% are elevated; merits closer attention.
Texas Ratio of 20.0% is well below the 100% historical failure threshold.
Efficiency ratio of 70.2% is inside the 75% pass line, though above the 65% level typical of lower-cost banks.
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 12.88% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 20.05% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 2.83% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | 82.73% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 247.34% | Watch at 200%, concern at 300% | Flagged |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 12.88% |
| Q1 2026 | 13.39% |
| Q4 2025 | 13.50% |
| Q3 2025 | 13.43% |
| Q2 2025 | 12.15% |
| Q1 2025 | 12.57% |
| Q4 2024 | 13.02% |
| Q3 2024 | 13.32% |
| Q2 2024 | 13.16% |
| Q1 2024 | 13.72% |
| Q4 2023 | 13.75% |
| Q3 2023 | 13.67% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 20.05% |
| Q1 2026 | 8.76% |
| Q4 2025 | 8.00% |
| Q3 2025 | 8.31% |
| Q2 2025 | 8.70% |
| Q1 2025 | 9.11% |
| Q4 2024 | 8.89% |
| Q3 2024 | 9.08% |
| Q2 2024 | 9.72% |
| Q1 2024 | 10.10% |
| Q4 2023 | 10.36% |
| Q3 2023 | 11.31% |
Oconee State Bank by quarter
| Quarter end | CET1 | NPL ratio | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | 12.88% | 2.83% | 20.05% | 0.93% |
| Mar 31, 2026 | 13.39% | 1.69% | 8.76% | 0.72% |
| Dec 31, 2025 | 13.50% | 1.29% | 8.00% | 0.81% |
| Sep 30, 2025 | 13.43% | 1.23% | 8.31% | 1.17% |
| Jun 30, 2025 | 12.15% | 1.15% | 8.70% | 1.17% |
| Mar 31, 2025 | 12.57% | 1.25% | 9.11% | 0.71% |
| Dec 31, 2024 | 13.02% | 1.22% | 8.89% | 0.78% |
| Sep 30, 2024 | 13.33% | 1.30% | 9.08% | 0.93% |
| Jun 30, 2024 | 13.16% | 1.36% | 9.72% | 0.88% |
| Mar 31, 2024 | 13.72% | 1.44% | 10.10% | 0.98% |
| Dec 31, 2023 | 13.75% | 1.47% | 10.36% | 0.64% |
| Sep 30, 2023 | 13.67% | 1.54% | 11.31% | 2.20% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Oconee State Bank FDIC insured?
Yes. Oconee State Bank is an FDIC-insured commercial bank (FDIC Certificate #18143). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is Oconee State Bank well capitalized?
On its Q2 2026 call report, Oconee State Bank's CET1 ratio is 12.88%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the FDIC, applies.
What are Oconee State Bank's key safety ratios?
For Q2 2026, Oconee State Bank reports CET1 12.88%, leverage 9.98%, Texas ratio 20.05%, noncurrent loans 2.83%. The Texas ratio compares problem assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
What happens to my deposits if Oconee State Bank fails?
Insured deposits are protected up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC pays insured depositors as soon as possible, usually the next business day.
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Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 18143) · FFIEC NIC profile (RSSD 573036)
Explore: Full Oconee State Bank profile · Other banks in GA · Metric glossary · How the call report works