# OCONEE STATE BANK
WATKINSVILLE, GA · FDIC certificate 18143 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $744.1M | |
| Deposits | $658.3M | |
| Loans and leases | $544.6M | |
| Total equity | $68.9M | |
| Loans / deposits | 81.61% (p49 of band) | 82.04% |
| Liquid assets / assets | 23.03% (p44 of band) | |
| Uninsured deposits / deposits | 22.48% (p38 of band) | 25.97% |
| Brokered deposits | 1.37% | |
| Wholesale funding | 2.72% (p46 of band) | |
| FHLB advances / assets | 1.34% | |
| Tier 1 leverage | 9.98% (p34 of band) | 10.81% |
| Unrealized securities loss / equity | -9.88% (p44 of band) | -8.10% |
| AOCI / equity | 0.19% (p87 of band) | |
| ROA (annualized) | 0.81% (p22 of band) | 1.28% |
| Net interest margin | 4.19% (p66 of band) | 3.91% |
| Efficiency ratio | 72.97% (p79 of band) | |
| Noncurrent loans | 2.83% (p94 of band) | 0.43% |
| Net charge-offs (annualized) | 0.02% (p62 of band) | |
| Reserve coverage of noncurrent | 47.64% | |
| Real estate % of loans | 95% | |
| Construction % of loans | 49.55% (p56 of band) | |
| Auto loans | $815,000 (0.15% of loans; DQ 3.19%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 11.7% | |
| Employees | 111 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | losing money, noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 3 |  | construction >100% equity |
| 2011-09 | 3 |  |  |
| 2011-12 | 4 | charge-offs p90 |  |
| 2012-03 | 2 |  | losing money, charge-offs p90 |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 1 |  | noncurrent p90 |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | capital falling |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 1 |  | capital falling |
| 2015-12 | 0 |  | reserve under noncurrent |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 2 | capital falling, expense ratio p90 |  |
| 2018-06 | 1 |  | capital falling |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 | capital falling | expense ratio p90 |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2020-03 | 4 | capital falling, expense ratio p90 |  |
| 2020-06 | 4 | uninsured deposits leaving | noncurrent p90 |
| 2020-09 | 1 |  | capital falling, expense ratio p90, uninsured deposits leaving |
| 2020-12 | 3 | expense ratio p90, uninsured deposits leaving |  |
| 2021-03 | 2 |  | expense ratio p90 |
| 2021-06 | 2 | noncurrent p90 | uninsured deposits leaving |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 4 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 4 |  |  |
| 2022-12 | 5 | assets shrinking |  |
| 2023-03 | 5 | deposits shrinking | AOCI drag >20% of equity |
| 2023-06 | 3 |  | assets shrinking, deposits shrinking |
| 2023-09 | 3 |  |  |
| 2023-12 | 4 | capital falling |  |
| 2024-03 | 1 |  | noncurrent p90, securities losses >30% of equity, capital falling |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | reserve under noncurrent |
| 2024-12 | 1 | capital falling |  |
| 2025-03 | 0 |  | capital falling |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | reserve under noncurrent |  |
| 2026-06 | 2 | noncurrent p90 |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2018-06-04 [Oconee State Bank CEO to join UGA board - Online Athens](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQN2hHS0ZZQ0RzSjFxSldWdGJfQVltWUExYUViY0tUZ1hqUkk3YzJ2Szdqc1kwR293UEFPLWFocUZBMHlMUEF6cUxhdldUT0ZiRGV4TzdYQXVLcWM5UFJlMVlYMS1pdVVnYlc4b2htUU0tWmdFanY5dW9PMm94blhDdjlfdmdiMzhHQjlnNlhlUGo0c1B4TXUzQ1ZjYnROZlhoMDRNZGVJc2tSZFE?oc=5) · Online Athens
- 2016-12-24 [Oconee State Bank taps Philip Bernardi for key dual post - Online Athens](https://news.google.com/rss/articles/CBMivAFBVV95cUxNODd0VTBVdFlocWF5T0RwX0oxQ1pLMDdhRFZZd01Ma1JvUWM3bHh5ZnpEdkFSa2hSRzZIc1M5dnA4d0N5VHJoSHpRUUJvdGlKb08xVkdyVkl2ckw3d2k5ZTQ0UFNiMEdNeTBud3UzWmoyclNJd0E4UGtBVFBlWnI1MDRkNzdaZWFRcEliMzM3SEI3SkVLV2w2ZEpyT3BNTWtjR2lfM1NJcDBxRzN4akthNjNDQU03cXNvcHYtdg?oc=5) · Online Athens
- 2025-09-15 [Elaine Miller Allen Obituary Sep 15, 2025 - Lord & Stephens Funeral Homes](https://news.google.com/rss/articles/CBMib0FVX3lxTE5NeEw2WnhTcjRkaGNjMWlSNWxUdThiUV90UkhGdXByaXBzT1ZqTFVpWnFuYUJ4VU9pZUJNMVR0a05NT2hhQUFGUnFveFhZMVhZaHlTUmQ0dm5fWllLZXNLWVJzTGFrNWJfZ1BtaHZsWQ?oc=5) · Lord & Stephens Funeral Homes
- 2021-04-02 [Reward up to $25K in Georgia store clerk murder case: Sheriff's Office - WGXA](https://news.google.com/rss/articles/CBMimgFBVV95cUxPSGpERWs0UzlvQ3hUQy16a2ZZeHlnbEVpc1RITXFvOE1QUWwtZldQbDRFYTNtbklvRFlqV3YtZ1lwSGk4TGVtOEFHUzNLUU1mRHR4d1BXOXJ1a2JnS20tZUkwV2hPVWZpWFpiREhVd0ZkS1JYZjFjbjdGQUoxc095X2t4QXBSYi1vMW16TDVtdHNNR3cxMnpVQlJR?oc=5) · WGXA
- 2024-11-12 [Mr. Chad Thomason Obituary (2024) - Commerce, GA - Little-Ward Funeral Home - Commerce - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxNbmg4Z2FjTTFLX3hZQlNucDlUal9kZ01IODV2SFlHQkJvVjdzZlVuSmhDamhXd0wtUldUTUlSM1ZkbnRVSTBRbnRmWHlxSHJmR2RRdlVCUHBPNWRUcEg4M3V1NVZjeTM3Z1FsSVJ1OG9Nai1tS0VjaFNaLXBNa0pkTGNB?oc=5) · legacy.com
- 2016-09-03 [Brian Brodrick appointed to board of directors at Oconee State Bank - Online Athens](https://news.google.com/rss/articles/CBMixwFBVV95cUxPYktQOURKRXFMMHN4Rm5FVXhyZmpvQlRkcHlhbXF1Q1FnTi1UUkI1UXAyd3BZZmlkTF9VVnczQkVsS2huMzV0OHVVXzY2RDRleWFkaURPVnF5SGdpUEx6NV9jM2R0WmlaNjUzZWFzZ0pHVlpOWWJUYUR0cmxkb0R1dVYxVFhyaThWazM0eFFJVTFWTi1PUnlGdGVFRHZDMzhZc2g3bTFPaER4bk5iekJFSjJMeGFUNFU5NW1kb09ZYlZBM2gzYkxJ?oc=5) · Online Athens
- 2024-06-30 [John Craig Hertwig Obituary May 30, 2012 - Lord & Stephens Funeral Homes](https://news.google.com/rss/articles/CBMiZkFVX3lxTFBnTWtuVlNHVDhscHFoTDdTTUhvN1BhcGtJX1QyNWFhd0o4VGtFT0VGWXljZkZ5bWRJVXBqMG54Y0FkTlBzXzlkOWZ0di00dURfN3llRmh3Vm1wYnh2X0F1RkNZN1VqUQ?oc=5) · Lord & Stephens Funeral Homes
- 2018-06-18 [Leach named VP, controller at Oconee State Bank - Online Athens](https://news.google.com/rss/articles/CBMitAFBVV95cUxNekhuVUJIbldCSmV1aWVuN0o4d19RYldnQkVEdmtmdEVNYTVySWUtV2ZSUlZyMzk2T0hCOXozWjhISEJueVZzb3VSbVc0ZjVsVXBwX0U1UXVBUm1XM3UwUkRyVEF0OVpXbVV0OW9XalpGUC03SWVESzFoUFYxaHdKbllidlAySHJPOWZCTVh1ZFhMcUNNTTFzMUF2QnlzSGVkN1lPcnhFY0hobkU2ejdvY1ZnMl8?oc=5) · Online Athens

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18143 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/31.json (key "18143", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide