Watkinsville, GA · Cert 18143 · Oconee Financial Corp.
State charter, non-member · FDIC · 6 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
39
Asset Quality
27
Profitability
45
Liquidity
79
Efficiency
29
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Watkinsville, GA · Cert 18143 · Oconee Financial Corp.
State charter, non-member · FDIC · 6 branches
Q2 2026
Market Position · Athens-Clarke County, GA · 2026 SOD (annual) · 7.9% share · #5 of 19 inst. · $0.5B of $6.4B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.93% | 0.89% | 0.71% | 0.95% | 1.03% | 0.98% | 0.71% | 0.81% | -13 bps | |
| Return on Equity | 11.37% | 10.95% | 8.56% | 11.45% | 12.02% | 11.26% | 7.80% | 8.87% | -258 bps | |
| Net Interest Margin | 3.83% | 3.68% | 3.91% | 3.93% | 3.95% | 3.74% | 3.89% | 4.02% | +8 bps | |
| Efficiency Ratio | 72.24% | 71.63% | 74.61% | 69.52% | 69.26% | 70.54% | 75.92% | 72.97% | +345 bps | |
| Non-Interest Burden | 2.55% | 2.40% | 2.72% | 2.42% | 2.43% | 2.39% | 2.79% | 2.72% | +29 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.35% | 8.65% | 10.31% | 11.29% | 10.80% | 14.69% | 11.86% | 11.04% | -26 bps | |
| Loan Growth (YoY) | 13.56% | 18.48% | 19.82% | 24.60% | 22.72% | 17.43% | 18.81% | 16.24% | -836 bps | |
| Deposit Growth (YoY) | 7.60% | 6.16% | 8.26% | 9.62% | 10.79% | 13.88% | 10.94% | 11.70% | +208 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.30% | 1.22% | 1.25% | 1.15% | 1.23% | 1.29% | 1.69% | 2.83% | +168 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.02% | 0.10% | 0.10% | 0.07% | 0.08% | 0.05% | 0.02% | -8 bps | |
| Allowance / Loans | 1.32% | 1.32% | 1.34% | 1.32% | 1.35% | 1.35% | 1.35% | 1.35% | +3 bps | |
| Allowance Coverage of NPLs | 1.0x | 1.1x | 1.1x | 1.1x | 1.1x | 1.0x | 0.8x | 0.5x | -0.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.54% | 9.24% | 9.37% | 9.24% | 10.02% | 9.53% | 9.77% | 9.98% | +74 bps | |
| Total Risk-Based Capital | 14.53% | 14.25% | 13.82% | 13.40% | 14.68% | 14.75% | 14.64% | 14.13% | +73 bps | |
| Equity / Assets | 8.35% | 8.25% | 8.29% | 8.34% | 9.28% | 9.09% | 9.19% | 9.25% | +92 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.20% | 72.17% | 73.65% | 79.50% | 77.76% | 74.42% | 78.88% | 82.73% | +323 bps | |
| Liquid Assets / Assets | 8.15% | 8.76% | 6.18% | 3.08% | 5.44% | 9.92% | 6.20% | 3.86% | +78 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 475% | 480% | 504% | n/a | n/a | |
Watkinsville, GA · Cert 18143 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Oconee Financial Corp.
State charter, non-member · FDIC · 6 branches
Q2 2026
Return on Assets
0.80%
Rank 519 of 746
Net Interest Margin
4.02%
Rank 242 of 746
Efficiency Ratio
73.26%
Rank 532 of 746
Equity / Assets
9.25%
Rank 524 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.80% | 0.72% | 1.06% | 1.45% | Beats 30% | 519 / 746 | ||
| Return on Equity | 8.67% | 6.74% | 10.51% | 13.63% | Beats 38% | 460 / 746 | ||
| Net Interest Margin | 4.02% | 3.17% | 3.68% | 4.16% | Beats 68% | 242 / 746 | ||
| Efficiency Ratio | 73.26% | 55.74% | 64.58% | 75.47% | Beats 29% | 532 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.83% | 0.09% | 0.42% | 1.07% | Beats 6% | 696 / 743 | ||
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 47% | 393 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.88% | 11.55% | 13.75% | 17.60% | Beats 40% | 444 / 746 | ||
| Total Risk-Based Capital Ratio | 14.13% | 11.71% | 14.33% | 18.43% | Beats 48% | 389 / 746 | ||
| Equity / Assets | 9.25% | 8.90% | 10.51% | 13.06% | Beats 30% | 524 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 82.73% | 61.31% | 78.27% | 90.78% | 59th pctl | 305 / 746 | ||
| Loans / Assets | 73.19% | 53.60% | 66.97% | 76.08% | 67th pctl | 248 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||