BlastPoint's Banking Scorecard

Oconee State Bank

$100M-$1B Specialty: Commercial GA FDIC cert 18143

Watkinsville, GA

7 branches across GA

2664 banks in the $100M-$1B peer group nationally 99 in GA

Oconee State Bank has 1 strength but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Net Interest Margin 0.14% above tier average

Key Concerns

Areas that may need attention

- ROA 0.56% below tier average
- Efficiency Ratio 10.64% above tier average
- Delinquency Rate 0.83% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Total Assets ?	$722.4M +11.9% YoY -1.6% QoQ	+$336.4M	$386.1M +0.5% YoY	$814.8M +10.0% YoY	$6.2B +9.1% YoY	Top 11.6% in tier
Total Loans ?	$497.8M +18.8% YoY +4.4% QoQ	+$242.1M	$255.7M +1.1% YoY	$550.6M +10.4% YoY	$3.2B +10.8% YoY	Top 11.1% in tier
Total Deposits ?	$639.7M +10.9% YoY -1.5% QoQ	+$311.7M	$328.0M +0.1% YoY	$689.3M +8.9% YoY	$4.8B +8.2% YoY	Top 10.2% in tier
Return on Assets ?	0.71% +0.8% YoY -26.9% QoQ	-0.56%	1.27% +12.9% YoY	1.50% +0.6% YoY	1.23% +13.4% YoY	21%
Net Interest Margin ?	4.07% -1.1% YoY -5.9% QoQ	+0.14%	3.93% +6.0% YoY	4.36% +2.3% YoY	3.89% +5.7% YoY	61%
Efficiency Ratio ?	75.92% +1.8% YoY +7.6% QoQ	+10.64%	65.29% -4.5% YoY	62.13% -1.5% YoY	66.95% -4.1% YoY	21%
Delinquency Rate ?	1.71% +34.9% YoY +30.7% QoQ	+0.83%	0.89% +18.8% YoY	0.81% +32.9% YoY	0.95% +18.8% YoY	15%
Loan-to-Deposit Ratio ?	77.81% +7.1% YoY +6.0% QoQ	+1.17%	76.64% +0.8% YoY	71.10% +2.8% YoY	76.70% +0.9% YoY	51%
Non-Interest-Bearing Deposit Share ?	21.63% +2.1% YoY +6.3% QoQ	-0.39%	22.02% -1.0% YoY	26.76% -3.7% YoY	22.01% -1.2% YoY	53%
Nonperforming Asset Ratio ?	1.18% +43.3% YoY +38.6% QoQ	+0.54%	0.64% +19.7% YoY	0.56% +24.4% YoY	0.67% +19.3% YoY	16%
Tier 1 Capital Ratio ?	13.39% +6.6% YoY -0.8% QoQ	-2.44%	15.83% +1.5% YoY	17.30% -0.8% YoY	17.06% +0.8% YoY	51%
Non-Interest Income / Assets ?	0.18% -9.0% YoY -79.6% QoQ	-0.10%	0.28% +9.3% YoY	0.21% +3.2% YoY	0.32% +4.1% YoY	81%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

274

Total Deposits

size

Value: $639.72M

Peer Median: $327.97M

#274 of 2664 Top 10.2% in $100M-$1B

297

Total Loans

size

Value: $497.77M

Peer Median: $255.72M

#297 of 2664 Top 11.1% in $100M-$1B

309

Total Assets

size

Value: $722.44M

Peer Median: $386.08M

#309 of 2664 Top 11.6% in $100M-$1B

507

Non-Interest Income / Assets

revenue_mix

Value: 0.18%

Peer Median: 0.28%

#507 of 2664 Top 19.0% in $100M-$1B

Top Weaknesses (4 metrics)

2246

Delinquency Rate

credit_quality

Value: 1.71%

Peer Median: 0.89%

#2246 of 2654 Bottom 15.4% in $100M-$1B

2239

Nonperforming Asset Ratio

credit_quality

Value: 1.18%

Peer Median: 0.64%

#2239 of 2664 Bottom 16.0% in $100M-$1B

2109

Efficiency Ratio

profitability

Value: 75.92%

Peer Median: 65.29%

#2109 of 2664 Bottom 20.9% in $100M-$1B

2096

Return on Assets

profitability

Value: 0.71%

Peer Median: 1.27%

#2096 of 2664 Bottom 21.4% in $100M-$1B