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Oconee State Bank

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

Watkinsville, GA

7 branches across GA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 96 in GA.
  • Deposits +11.7% year over year ($658.3M on the books).
  • Delinquency rate 2.87%.
  • Return on assets 0.81%.
  • Efficiency ratio 72.97% vs a 64.48% peer average.
  • Loan-to-deposit ratio 81.61% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 96 in GA
View $100M-$1B leaderboard (GA) →

Oconee State Bank has 1 strength but faces 4 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 0.20% above tier average

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 42.0% in tier
  • - Delinquency Rate 1.95% above tier average
  • - Nonperforming Asset Ratio 1.40% above tier average
  • - Efficiency Ratio 8.49% above tier average
Get updates when Oconee State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Total Assets ? $744.1M
+11.0% YoY +3.0% QoQ
+$357.6M $386.6M
+1.2% YoY
$843.5M
+13.2% YoY
$6.3B
+7.7% YoY
Top 10.4% in tier
Total Loans ? $537.3M
+16.2% YoY +7.9% QoQ
+$278.9M $258.3M
+1.7% YoY
$581.6M
+14.3% YoY
$3.2B
+9.4% YoY
Top 8.8% in tier
Total Deposits ? $658.3M
+11.7% YoY +2.9% QoQ
+$331.6M $326.7M
+0.7% YoY
$711.6M
+12.3% YoY
$4.9B
+7.3% YoY
Top 9.0% in tier
Return on Assets ? 0.81%
-14.2% YoY +14.2% QoQ
-0.51% 1.32%
+10.8% YoY
1.55%
+0.3% YoY
1.30%
+12.1% YoY
24%
Net Interest Margin ? 4.19%
-1.7% YoY +2.8% QoQ
+0.20% 3.99%
+5.0% YoY
4.42%
+1.2% YoY
3.95%
+4.9% YoY
65%
Efficiency Ratio ? 72.97%
+5.0% YoY -3.9% QoQ
+8.49% 64.48%
-3.2% YoY
63.07%
+1.6% YoY
70.05%
+2.5% YoY
24%
Delinquency Rate ? 2.87%
+147.0% YoY +67.3% QoQ
+1.95% 0.92%
+15.7% YoY
0.77%
+14.9% YoY
0.98%
+16.3% YoY
Bottom 6.8% in tier
Loan-to-Deposit Ratio ? 81.61%
+4.0% YoY +4.9% QoQ
+3.66% 77.95%
+1.0% YoY
78.13%
+10.7% YoY
79.03%
+2.3% YoY
46%
Non-Interest-Bearing Deposit Share ? 20.89%
-1.0% YoY -3.4% QoQ
-1.14% 22.03%
-0.6% YoY
26.00%
-3.3% YoY
21.98%
-0.6% YoY
49%
Nonperforming Asset Ratio ? 2.07%
+158.5% YoY +75.3% QoQ
+1.40% 0.67%
+16.4% YoY
0.54%
+11.1% YoY
0.69%
+15.8% YoY
Bottom 6.6% in tier
Tier 1 Capital Ratio ? 12.88%
+6.0% YoY -3.8% QoQ
-3.03% 15.91%
+1.4% YoY
19.50%
+7.6% YoY
17.09%
+0.8% YoY
46%
Non-Interest Income / Assets ? 0.40%
-22.6% YoY +124.9% QoQ
-0.17% 0.57%
+7.6% YoY
0.44%
+3.6% YoY
0.66%
+5.2% YoY
Top 14.9% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Noninterest-Bearing 20.9%
-0.2pp YoY
-0.7pp QoQ
 -1.3pp 22.1% 26.2% 22.2% 49%
Brokered Deposits 1.6%
-0.2pp YoY
0.0pp QoQ
 -6.3pp 7.9% 7.5% 8.5% 25%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
C&I 5.0%
-1.3pp YoY
0.0pp QoQ
 -6.6pp 11.6% 9.7% 12.5% 20%
CRE 71.2%
+2.1pp YoY
-0.3pp QoQ
 +31.6pp 39.5% 48.9% 41.4% 94%
1-4 Family 24.4%
-0.6pp YoY
+0.3pp QoQ
 -8.2pp 32.6% 31.7% 31.3% 40%
Consumer 0.5%
0.0pp YoY
0.0pp QoQ
 -3.6pp 4.1% 4.8% 5.0% 16%

Capital

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
CET1 Ratio 12.9%
+0.7pp YoY
-0.5pp QoQ
 -5.9pp 18.8% 20.9% 19.7% 26%
Leverage Ratio 10.0%
+0.7pp YoY
+0.2pp QoQ
 -2.2pp 12.2% 14.0% 12.6% 31%
Total Capital Ratio 14.1%
+0.7pp YoY
-0.5pp QoQ
 -5.8pp 19.9% 22.1% 20.8% 28%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Full-Time Employees 111
+4 (+3.7%) YoY
0 QoQ
 +52 58 98 482 90%
Assets per Employee ($) $6.7M
+7.0% YoY
+3.0% QoQ
 -$814K $7.5M $7.5M $8.8M 46%
Branch Count 7
0 YoY
0 QoQ
 +2 4 6 18 75%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
-0.5pp QoQ
 -0.3pp 0.3% 0.1% 0.4% 21%
Nonaccrual 2.9%
+1.7pp YoY
+1.6pp QoQ
 +1.9pp 0.9% 0.8% 1.0% 93%
Allowance Coverage 0.48x
-58.5% YoY
-40.5% QoQ
 -23.68x 24.15x 38.10x 20.23x 9%
Net Charge-off Rate (YTD) 0.0%
-0.1pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 56%

Profitability

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
ROE 8.9%
-2.6pp YoY
+1.1pp QoQ
 -3.3pp 12.2% 13.6% 11.6% 30%
Cost of Funds (YTD) 1.5%
0.0pp YoY
0.0pp QoQ
 -0.2pp 1.7% 1.6% 1.7% 37%
Net Income ($, YTD) $3.0M
-3.5% YoY
— QoQ
 +$432K $2.6M $6.6M $40.4M 70%

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 (1)

Margin Compression

decline
#130 of 307 • Bottom 42.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 0.81%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

234
Total Loans
size
Value: $537.28M
Peer Median: $258.35M
#234 of 2643 Top 8.8% in $100M-$1B
240
Total Deposits
size
Value: $658.35M
Peer Median: $326.73M
#240 of 2643 Top 9.0% in $100M-$1B
275
Total Assets
size
Value: $744.12M
Peer Median: $386.57M
#275 of 2643 Top 10.4% in $100M-$1B
396
Non-Interest Income / Assets
revenue_mix
Value: 0.40%
Peer Median: 0.57%
#396 of 2643 Top 14.9% in $100M-$1B

Top Weaknesses (4 metrics)

2470
Nonperforming Asset Ratio
credit_quality
Value: 2.07%
Peer Median: 0.67%
#2470 of 2643 Bottom 6.6% in $100M-$1B
2454
Delinquency Rate
credit_quality
Value: 2.87%
Peer Median: 0.92%
#2454 of 2633 Bottom 6.8% in $100M-$1B
2014
Efficiency Ratio
profitability
Value: 72.97%
Peer Median: 64.48%
#2014 of 2643 Bottom 23.8% in $100M-$1B
2011
Return on Assets
profitability
Value: 0.81%
Peer Median: 1.32%
#2011 of 2643 Bottom 24.0% in $100M-$1B
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