Oconee State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 32.39 percentage points lower than in Q1 2026, at 47.64%. Oconee State Bank ranks 97th of 121 Georgia banks on return on assets, in the lower half at 0.93% (Q2 2026). Oconee State Bank reported 0.93% on return on assets for Q2 2026, 0.33 points below the 1.26% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.88% |
| Tier 1 risk-based capital ratio | 12.88% |
| Total risk-based capital ratio | 14.13% |
| Tier 1 leverage ratio | 9.98% |
| Equity capital to assets | 9.25% |
| Tangible equity to tangible assets | 9.04% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.83% |
| Non-performing assets ratio | 2.07% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 20.05% |
| Allowance for credit losses to loans | 1.35% |
| Reserve coverage of non-performing loans | 47.64% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.93% |
| Return on equity | 9.99% |
| Net interest margin | 4.33% |
| Efficiency ratio | 70.20% |
| Yield on earning assets | 5.82% |
| Cost of funds | 1.60% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 82.73% |
| Core deposits to total deposits | 93.27% |
| Brokered deposits to total deposits | 1.55% |
| Deposits to assets | 88.47% |
| Securities to assets | 18.85% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.67% | 13.67% | 14.84% | 9.78% | 2.20% |
| Q4 2023 | 13.75% | 13.75% | 14.94% | 9.12% | 0.64% |
| Q1 2024 | 13.72% | 13.72% | 14.92% | 9.58% | 0.98% |
| Q2 2024 | 13.16% | 13.16% | 14.36% | 9.68% | 0.88% |
| Q3 2024 | 13.32% | 13.32% | 14.53% | 9.54% | 0.93% |
| Q4 2024 | 13.02% | 13.02% | 14.25% | 9.24% | 0.78% |
| Q1 2025 | 12.57% | 12.57% | 13.82% | 9.37% | 0.71% |
| Q2 2025 | 12.15% | 12.15% | 13.40% | 9.24% | 1.17% |
| Q3 2025 | 13.43% | 13.43% | 14.68% | 10.02% | 1.17% |
| Q4 2025 | 13.50% | 13.50% | 14.75% | 9.53% | 0.81% |
| Q1 2026 | 13.39% | 13.39% | 14.64% | 9.77% | 0.72% |
| Q2 2026 | 12.88% | 12.88% | 14.13% | 9.98% | 0.93% |
Oconee State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Oconee State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Oconee State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18143) · FFIEC NIC profile (RSSD 573036)