Vitals
  • Total Assets
    335.4M 12.3 %
  • Total Deposits
    306.6M 13.7 %
  • Total Net Loans
    144.6M 4.3 %
  • Net Income
    2.5M 29.2 %
  • Book Value
    28.6M 1.3 %
  • Book Value x2
    57.2M 1.3 %
  • Book Value x3
    85.7M 1.3 %
ROAA

.803

ROAE

8.595

Efficiency Ratio

66.857

Net Interest Margin

3.493

Balance Sheet Highlights
Financial Highlights Oconee State Bank All Insured Commercial Banks in Georgia
Balance Sheet $(000)
Total Assets 335,397 256,123
Total Net Loans 144,599 160,108
Total Deposits 306,617 221,413
Total Equity 28,582 27,434
Profitability
Net Income 2,521 2,812
Return on Average Assets .803 .99
Return on Average Equity 8.595 8.811
Net Interest Margin 3.493 4.031
Efficiency Ratio 66.857 72.067
Noninterest Income/Revenue 13.851 19.316
Balance Sheet Ratios
Loan-to-Deposit 47.16 70.662
Securities/Assets .38 .165
Total Equity/Total Assets .085 .107
Tangible Equity/Tangible Assets .085 .105
Capital Adequacy
Tier 1 Common Capital 29,309 26,376
Tier 1 Capital 29,309 26,452
Tier 2 Capital 2,023 1,919
Total Capital 31,332 28,453
Total Risk Weighted Assets 184,594 174,280
Leverage Ratio 8.87 10.62
Common Equity Tier 1 Capital Ratio 15.88 16.191
Tier 1 Capital Ratio 15.88 16.286
Total Capital Ratio 16.97 17.433

Timeline for Oconee State Bank

Motel Holdings Georgia, Inc.

Motel Holdings Georgia, Inc. became a new subsidiary organization for Oconee State Bank.

View Profile Jan 06 2009

Real Estate Holdings Georgia, Inc.

Real Estate Holdings Georgia, Inc. became a new subsidiary organization for Oconee State Bank.

View Profile Sep 17 2008

Oconee Financial Corporation

Oconee Financial Corporation became a new parent organization for Oconee State Bank.

View Profile Jan 01 1999

Oconee State Bank

Oconee State Bank was established 64 years ago and is currently headquartered in Watkinsville, GA.

Feb 01 1960
Relationships Role Relationship Start Relationship End
Oconee Financial Corporation Parent 1/1/1999
Real Estate Holdings Georgia, Inc. Subsidary 9/17/2008 12/31/2012
Motel Holdings Georgia, Inc. Subsidary 1/6/2009 8/31/2010
Similar Organizations
Organization City State Total Assets
Northview Bank
 		Sandstone MN 322.9M
Bank Of Ocean City
 		Ocean City MD 328.9M
Harford Bank
 		Aberdeen MD 328.9M
Private Bank Of Buckhead
 		Atlanta GA 329.4M
Damascus Community Bank
 		Damascus MD 314.4M
Gwinnett Community Bank
 		Duluth GA 323.3M
Commercial Bank
 		Parsons KS 332.2M
City Savings Bank & Trust Company
 		Deridder LA 324.0M
Charlotte State Bank & Trust
 		Port Charlotte FL 332.8M
Texas Security Bank
 		Dallas TX 324.6M