Loading bank profile
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.
Plain-language readout
OCONEE STATE BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $751M in Q3 2026 and were lowest at $722M in Q1 2026.
Total deposits were highest at $676M in Q3 2026 and lowest at $640M in Q1 2026.
Over the whole period total assets rose 3.9%.
| 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% |
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $751M | $676M | $555M | 0.89% | 9.71% | 4.23% |
| 2026-06-30 | $744M | $658M | $537M | 0.81% | 8.87% | 4.19% |
| 2026-03-31 | $722M | $640M | $498M | 0.71% | 7.80% | 4.07% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| GA | $589.4M | 0.17% | 41 | Continuing · +0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.