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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
Deterministic ratios for OCONEE STATE BANK from its Q3 2026 Call Report. Detailed loan and deposit composition follows below.
| Total deposits | $676M |
|---|---|
| Net loans and leases | $555M |
Plain-language readout
OCONEE STATE BANK in Watkinsville, GA funds its loans with $676M of deposits and holds $555M of net loans, as reported for Q3 2026. The ratios below show how that funding, capital and credit quality compare with the amounts on the balance sheet.
No capital, liquidity or asset-quality ratios are reported for OCONEE STATE BANK in Q3 2026; none is estimated.
The loan-to-deposit ratio computed from net loans and total deposits was 82.06% in Q3 2026, against 77.81% in Q1 2026. A rising ratio means the bank is lending a larger share of its deposits.
| Quarter | Net loans | Deposits | Loan-to-deposit |
|---|---|---|---|
| Q3 2026 | $555M | $676M | 82.06% |
| Q2 2026 | $537M | $658M | 81.61% |
| Q1 2026 | $498M | $640M | 77.81% |