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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.94% | 0.80% | 0.71% | 1.19% | 1.18% | 0.84% | 0.71% | 0.92% | -27 bps | |
| Return on Equity | 11.33% | 9.68% | 8.56% | 14.32% | 13.35% | 9.19% | 7.80% | 9.99% | -433 bps | |
| Net Interest Margin | 3.98% | 3.82% | 3.91% | 4.12% | 4.20% | 3.99% | 3.89% | 4.16% | +4 bps | |
| Efficiency Ratio | 72.85% | 70.03% | 74.61% | 65.31% | 68.79% | 74.31% | 75.92% | 70.31% | +501 bps | |
| Non-Interest Burden | 2.72% | 2.32% | 2.72% | 2.24% | 2.59% | 2.80% | 2.79% | 2.66% | +42 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 | 0.01% | 0.07% | 0.10% | 0.11% | 0.00% | 0.11% | 0.05% | 0.00% | -11 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 | |