Oconee State Bank
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
$744.1MAssets
$544.6MLoans
$658.3MDeposits
$68.9MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 68% of banks under $1B in assets operating in a single state (rank 242 of 746).
- Widest gap: nonperforming loans / loans trails 94% of banks under $1B in assets operating in a single state (rank 696 of 743).
- Overall: at or above the peer median on 1 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $19.7M · efficiency ratio beats 29% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |