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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Watkinsville, GA · FDIC certificate #18143
OCONEE STATE BANK is an FDIC-insured institution based in Watkinsville, GA (FDIC certificate #18143). In its Q3 2026 Call Report it reported total assets of $751M, total deposits of $676M and net loans of $555M. Its primary federal regulator is FDIC.
Reported facts
OCONEE STATE BANK (FDIC certificate #18143) reported the following headline financials for Q3 2026. Interactive quarterly history follows below.
| Total assets | $751M |
|---|---|
| Total deposits | $676M |
| Net loans and leases | $555M |
| Return on assets | 0.89% |
| Return on equity | 9.71% |
| Net interest margin | 4.23% |
| Quarterly asset change | 0.91% |
| Quarterly deposit change | 2.67% |
Plain-language readout
OCONEE STATE BANK in Watkinsville, GA reported total assets of $751M, total deposits of $676M and net loans of $555M in its Q3 2026 Call Report (as of 2026-09-30).
Profitability for Q3 2026: a return on assets of 0.89%, a return on equity of 9.71%, a net interest margin of 4.23%. Return on assets measures annualized net income against average assets, return on equity measures it against average equity, and net interest margin measures net interest income against average earning assets.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $751M | $676M | $555M | 0.89% | 9.71% | 4.23% |
| Q2 2026 | $744M | $658M | $537M | 0.81% | 8.87% | 4.19% |
| Q1 2026 | $722M | $640M | $498M | 0.71% | 7.80% | 4.07% |
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