Oconee State Bank
Watkinsville, GA · State, non-member commercial bank
Sonar Score
Watch
out of 100 · from public FDIC data
Reported March 31, 2026. The Sonar Score is an informational signal from public FDIC data — not a rating or financial advice.
Key figures
- Total assets
- $722.4M
- Total deposits
- $639.7M
- Branches
- 7
- Return on assets
- 0.71%
- Return on equity
- 7.80%
- Charter type
- State, non-member commercial bank
- Established
- 1960
- FDIC cert #
- 18143
How the 52 breaks down
Capital ratio not reported.
Modest but positive returns.
Positive but moderate equity returns.
Community-scale institution.
Your deposits at Oconee State Bank
Oconee State Bank is an FDIC-insured institution (Cert #18143). Deposits are insured up to $250,000 per depositor, per ownership category, by the full faith and credit of the US government. Learn how to maximize your coverage →
7 branch locations
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
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