FDIC Cert #18143 · Watkinsville, Georgia · Est. 1960

Oconee State Bank - FDIC Bank Health Profile

A community-scale look at Oconee State Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$734M
Total assets
B
Health grade · Good
0.98%
Return on assets
13.5%
Tier 1 capital

Data updated July 2026

The verdict

Oconee State Bank earns a PlainBankData health grade of B (69/100), with well-capitalized at 13.50% Tier 1, 0.98% ROA, 71% efficiency ratio.

#1,338
largest of 4,313 FDIC banks by assets
69th
percentile by asset size, nationally
13.50%
Tier 1 ratio - above the 10% well-capitalized line
41st
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 18143 · GA B · 69/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-B B (69/100)
  • MID-PACK #3101/4307
  • PHOTO-FINISH Ion Bank · CT
  • TIER1-WELL 13.5% Tier 1
  • TEXAS-CLEAN 8.5% Texas
  • ROA-PAR 0.98% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Georgia: Ion Bank, CT (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Oconee State Bank

Lowest and highest poles plus nearest scored peers outside Georgia, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100First Security State… · IA ·…69/100Ion Bank · CT · near69/100Oconee State Bank · GA · thi…69/100Security State Bank · IA · n…69/100Sterling State Bank · MN · n…69/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Oconee State Bank · July 2026

Call Report read for Oconee State Bank in a high-failure state

Oconee State Bank (FDIC Cert #18143) carries a PlainBankData health grade of B at 69/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,101 of 4,307. Tier 1 capital prints at 13.50%, clearing the 10% well-capitalized line. The Texas Ratio is 8.54%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.98%. Balance-sheet scale is $734M, 1,338th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Ion Bank (CT), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Oconee State Bank

94 FAILURE resolutions in Georgia since 2000, heavy vs the state corpus

Oconee State Bank sits in one of the heavier post-2000 FAILURE states (94 resolutions; latest year 2016). The list below is state history from the Failed Bank List, not a claim about Oconee State Bank's current Call Report.

  • THE WOODBURY BANKING COMPANY WOODBURY, GA 2016 → UNITED BANK
  • CAPITOL CITY BANK & TRUST COMPANY ATLANTA, GA 2015 → FIRST-CITIZENS BANK & TRUST COMPANY
  • THE BANK OF GEORGIA PEACHTREE CITY, GA 2015 → FIDELITY BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Georgia banks.

How Oconee State Bank's 69/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10069/100
Oconee State Bank's composite health score
Tier 1 Capital Ratio (13.50%) 35/40
Return on Assets (ROA) (0.98%) 14/25
Texas Ratio (8.54%) 16/20
Efficiency Ratio (70.54%) 4/15

69 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$734M

Total balance-sheet footings

Total Deposits

$650M

Customer-funded liabilities

Net Loans

$477M

Outstanding loan book

Net Income

$7M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 12.1% 13.5% 14.9%
Basel III capital ratios - Oconee State Bank

Where Oconee State Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Oconee State Bank's score of 69/100 falls in the highlighted band.

Oconee State Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

69 28th percentile higher than 28% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Oconee State Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Oconee State Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Oconee State Bank's $734M falls in the highlighted band.

Capital & credit buffers at Oconee State Bank

Tier 1 capital ratio
Well-capitalized 10%

13.50% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
13.50%
Texas Ratio
8.54%
Equity Capital
$67M

What these ratios mean →

Profitability metrics: Oconee State Bank

Return on Assets (ROA)
41st percentile nationally
0.98%
Return on Equity (ROE)
11.26%
Efficiency Ratio
70.54%

What these mean →

Income & expense at Oconee State Bank

$38M
Interest Income
$6M
Non-Interest Income
$24M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Oconee State Bank reports a Texas Ratio of 8.54% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

8.54% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Oconee State Bank on FDIC BankFind →

Top banks in Georgia by total assets

Largest banks headquartered in Georgia
  1. 1
    Ameris Bank $27.4B

    Atlanta, GA · Grade A

  2. 2
    RBC Bank, (Georgia) $8.0B

    Atlanta, GA · Grade A

  3. 3
    Metro City Bank $4.7B

    Doraville, GA · Grade A

  4. 4
    Colony Bank $3.7B

    Fitzgerald, GA · Grade B

  5. 5
    Georgia Banking Company $2.7B

    Atlanta, GA · Grade B

Top 5 banks in Georgia ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($734M here), outside Georgia so the neighborhood is not state containment.

Bank of San Francisco $733M · CA Pioneer Trust Bank $735M · OR Kleberg Bank $735M · TX First Southern Bank $732M · AL

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Oconee State Bank (FDIC Cert #18143) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Oconee State Bank Call Report profile · FDIC Failed Bank List · Georgia FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Georgia

All Georgia banks →
BankAssetsGradeROA
Ameris BankAtlanta $27.4B A 1.64%
RBC Bank, (Georgia) National AssociationAtlanta $8.0B A 2.48%
Metro City BankDoraville $4.7B A 1.79%
Colony BankFitzgerald $3.7B B 0.92%
Georgia Banking CompanyAtlanta $2.7B B 0.96%
United BankZebulon $2.3B A 2.66%
Pinnacle BankElberton $2.3B B 1.29%
Queensborough National Bank & Trust CompanyLouisville $2.2B A 1.05%