Oconee State Bank is a bank based in Watkinsville, Georgia, established in 1960, with $722 million in total assets across 7 branches. By Trust Grade it ranks 88th of 124 banks we track in Georgia. Its capital ratio of 9.2% trails most similarly sized banks (33th percentile), versus a Georgia median of 10.5%. It was profitable over the most recent period, with a 0.71% return on assets. No consumer complaints against Oconee State Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Oconee State Bank compares to Georgia peers
How we graded Oconee State Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (9.2% capital ratio)
- Profitable (ROA 0.71%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Oconee State Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (7)
- 35 N Main St, Watkinsville, GA 30677
- 2441 Monroe Hwy, Bogart, GA 30622
- Durham Street, Unit 10, Oakhill Office Condominiums, Watkinsville, GA 30677
- 6 E Church St, Elberton, GA 30635
- 2055 Sugarloaf Cir, Duluth, GA 30097
- 1 Press Pl, Athens, GA 30601
- 305 Third Street, Macon, GA 31201
Are deposits at Oconee State Bank insured?
Yes. Oconee State Bank is an FDIC-insured bank (FDIC certificate #18143). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Oconee State Bank: frequently asked questions
Is Oconee State Bank a good bank?
Oconee State Bank earns a Bankzia Trust Grade of A (93/100, "Excellent"), based on a financial-strength score of 93/100 (it has no CFPB complaints on record). Strongly capitalized (9.2% capital ratio); Profitable (ROA 0.71%).
Is Oconee State Bank FDIC-insured?
Yes. Oconee State Bank is a FDIC-insured bank (FDIC certificate #18143). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Oconee State Bank?
Oconee State Bank holds $722 million in total assets, ranking 88th of 124 banks we track in Georgia. It operates 7 branches.
Does Oconee State Bank have CFPB complaints?
No CFPB complaints against Oconee State Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
