Oconee State Bank
Headquarters: Watkinsville, Georgia
Overview
Oconee State Bank is an FDIC-insured bank headquartered in Watkinsville, Georgia. It reported $722.44M in assets and $639.72M in deposits for the period ending March 31, 2026. Bankular currently lists 7 branch locations.
What Bankular checked
These dates identify the official records and review steps supporting this profile.
Quarterly change
What changed since the previous report
December 31, 2025 to March 31, 2026
These comparisons use consecutive official regulatory reporting periods. A change is descriptive and is not a recommendation or safety rating.
Financial indicators
Capital, profitability and credit quality
These are the latest reported capital, profitability and credit-quality measures available for this institution. Read the figures together rather than as a single safety rating.
Branch footprint
Where Oconee State Bank has branches
Explore the cities with the most currently listed locations. Branch hours can change, so confirm current lobby, drive-through and appointment hours with the institution before visiting.
Locations
Find a branch of Oconee State Bank
Athens Financial Center
1 Press Pl, Athens, Georgia, 30601
Full-service branch · Opened March 1, 2021
Bogart Branch
2441 Monroe Hwy, Bogart, Georgia, 30622
Full-service branch · Opened November 28, 1983
Elberton Branch
6 E Church St, Elberton, Georgia, 30635
Full-service branch · Opened July 31, 2023
Gwinnett Financial Center
2055 Sugarloaf Cir, Duluth, Georgia, 30097
Full-service branch · Opened September 4, 2018
Macon Financial Center
305 Third Street, Macon, Georgia, 31201
Full-service branch · Opened April 10, 2023
Main Office
35 N Main St, Watkinsville, Georgia, 30677
Full-service branch · Opened February 1, 1960
Financial overview
Latest reported figures
Through March 31, 2026
Financial trends
How the balance sheet has changed
Compare recent quarters to see the direction of assets, deposits and loans.
| Quarter | Assets | Deposits | Net loans | ROA |
|---|---|---|---|---|
| March 31, 2026 | $722.44M | $639.72M | $497.77M | 0.71% |
| December 31, 2025 | $733.88M | $649.63M | $476.96M | 0.98% |
| September 30, 2025 | $688.99M | $607.85M | $466.31M | 1.03% |
| June 30, 2025 | $670.16M | $589.37M | $462.38M | 0.95% |
| March 31, 2025 | $645.86M | $576.65M | $419.02M | 0.71% |
| December 31, 2024 | $639.90M | $570.44M | $406.29M | 0.89% |
| September 30, 2024 | $621.85M | $548.68M | $380.08M | 0.93% |
| June 30, 2024 | $602.16M | $537.63M | $371.06M | 0.92% |
Size and reach
How this institution compares
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More on Oconee State Bank
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Branch locations
7 listed locations.
Explore →Compare this institution
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Explore →State banking market
Explore institutions and deposit-market context in Georgia.
Explore →Watkinsville banking market
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Explore →Rankings and research
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Explore →Sources and methodology
Review the official sources and reporting periods.
Explore →Frequently asked questions
Is Oconee State Bank federally insured?
Yes. Bankular identifies this institution in FDIC records under certificate 18143.
Where is Oconee State Bank headquartered?
Oconee State Bank is headquartered in Watkinsville, Georgia, at 35 N Main St, Watkinsville, Georgia, 30677.
How large is Oconee State Bank?
It reported $722.44M in assets and $639.72M in deposits for the period ending March 31, 2026.
How many locations does Oconee State Bank have?
Bankular currently lists 7 branch locations for this institution.
Data sources and methodology
Bankular combines official regulatory records with institution-published product information. The detailed sources are available below for readers who want to verify a figure.