Oconee State Bank (FDIC #18143): Bank Stress & Real-Estate Credit Exposure
Oconee State Bank (FDIC Cert #18143): bank stress 77/100, severe, STABLE over 7 days; parent OCONEE FINANCIAL CORP (OSBK).
Oconee State Bank (#18143) lends in 5 counties across 1 state; Oconee State Bank (#18143) reaches 57 ZIP codes: Georgia 5 counties, 57 ZIPs.
Oconee State Bank (#18143) largest markets: Gwinnett County, GA (26 branches, 26 ZIPs) (#18143), Bibb County, GA (13 branches, 13 ZIPs) (#18143), Clarke County, GA (9 branches, 9 ZIPs) (#18143), Oconee County, GA (16 branches, 8 ZIPs) (#18143), Elbert County, GA (4 branches, 4 ZIPs) (#18143).
Oconee State Bank (#18143) reports $744.1 million in total assets; Oconee State Bank (#18143) equity $68.9 million (9.3% of Oconee State Bank (#18143) assets); Oconee State Bank (#18143) domestic deposits $658.3 million; Oconee State Bank (#18143) net income $3.0 million; Oconee State Bank (#18143) return on assets 0.81%; Oconee State Bank (#18143) return on equity 8.87%; Oconee State Bank (#18143) net interest income $14.6 million; Oconee State Bank (#18143) call report June 30, 2026.
Oconee State Bank (#18143) noncurrent real-estate loans: none reported; Oconee State Bank (#18143) net charge-offs on real estate 2.91%; Oconee State Bank (#18143) residential charge-offs 4.59%.
Oconee State Bank (#18143) net interest margin 4.19% against an eight-quarter Oconee State Bank (#18143) average of 4.20% (Oconee State Bank (#18143) compression 0.02 points); Oconee State Bank (#18143) non-residential real estate 458.8% of equity; Oconee State Bank (#18143) rate-exposure score 40/100, Oconee State Bank (#18143) fixed-rate trap 40/100; Oconee State Bank (#18143) risk type credit driven; Oconee State Bank (#18143) rate regime rates elevated; Oconee State Bank (#18143) shares 2.7% below the 52-week high, Oconee State Bank (#18143) equity trend strong, Oconee State Bank (#18143) snapshot October 20, 2026.
Oconee State Bank (#18143) stress score moved from 77.5 on June 22, 2026 to 76.9 on October 20, 2026; Oconee State Bank (#18143) ranged 76.9 to 77.5 over 117 snapshots.
Oconee State Bank (#18143) alerts: 5 counties; top Oconee State Bank (#18143) alert scores: Macon County, GA 40 (moderate); Athens County, GA 23 (low); Duluth County, GA 23 (low); Elberton County, GA 23 (low); Watkinsville County, GA 23 (low).