OCONEE FINANCIAL CORP is the parent banking group. OCONEE STATE BANK is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the group level.

Bank Holding Company

OCONEE FINANCIAL CORP

Legal name: OCONEE FINANCIAL CORPORATION

1 active bank · $722M combined assets

RSSD ID: 2729499 (FFIEC NIC)

Combined Assets

$722M

CRA Rating Summary

Satisfactory1charter

Across all 11 exams on record for this banking group's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankOCONEE STATE BANKWATKINSVILLE, GASatisfactory$722MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$722M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$640M

Net Income

$1M

ROA (avg)

0.71%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

323

Origination Rate

79.26%

Denial Rate

3.1%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
OCONEE STATE BANK	WATKINSVILLE, GA	FDIC	$722M	100.0%	Satisfactory	Sep 2025

CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.