Oconee State Bank: how it compares with its peers
Against 45 GA banks with half to twice its assets, Oconee State Bank's strongest measure in Q2 2026 is assets per employee ($6.7M vs. a $7.1M peer median). Its weakest relative measure is efficiency ratio (72.97% vs. 55.38%).
| Measure | Oconee State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.81% | 1.63% | Bottom third Ahead of 7% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.19% | 4.61% | Bottom third Ahead of 31% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 72.97% | 55.38% | Bottom third Ahead of 2% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.7M | $7.1M | Middle third Ahead of 44% of peers |
| Loans to deposits Net loans and leases over total deposits. | 81.61% | 78.91% | Context |
What it means for lending operations
Its efficiency ratio of 72.97% is above the 55.38% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- FNB SOUTH Alma, GA · $735M
- First National Community Bank Chatsworth, GA · $755M
- Citizens Trust Bank Atlanta, GA · $790M
- PromiseOne Bank Duluth, GA · $812M
- First State Bank of Blakely Blakely, GA · $668M
Questions about Oconee State Bank
How big is Oconee State Bank?
Oconee State Bank, established in 1960, is headquartered in Watkinsville, GA. It reported $744M in total assets in its Q2 2026 FDIC call report and operates 7 offices.
What is Oconee State Bank's return on assets?
0.81% annualized in Q2 2026, against a 1.63% median for 45 GA banks with half to twice its assets, ahead of 7% of them.
What is Oconee State Bank's efficiency ratio?
72.97% in Q2 2026: it spent about 73 cents in noninterest expense for each dollar of revenue. The peer median is 55.38%, and lower is better.
Is Oconee State Bank growing its loans?
Net loans grew 16.2% over the year to Q2 2026, while deposits grew 11.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are GA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Georgia bank ranked.