🏦Bank Scorer

OCONEE STATE BANK

WATKINSVILLE, GA · Supervised by FDIC

Est. 1960FDIC #18,143RSSD: FDIC-18143
Part ofOCONEE FINANCIAL CORP→ View all charters
Satisfactory Same

Current rating · Exam: September 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.71%

Institution Profile

FDIC BankFind

Address

35 N Main St, WATKINSVILLE, GA

County

Oconee County

Established

February 1, 1960

Total Assets

$722M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

September 1, 2025

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Sep 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$722M

Total Deposits

$640M

Net Loans

$498M

Net Income

$1M

ROA

0.71%

ROE

7.80%

Risk-Based Capital

14.64%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate3.10%Peer avg: 7.63%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

6

Branch Deposits

$589M

1-Year Change

0

5-year net change: +2 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202432379.26%3.10%
202329278.42%2.40%
202220186.07%3.48%
202129292.12%2.74%
202035889.94%3.35%
201911489.47%3.51%
20188396.39%1.20%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

10 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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