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Oconee State Bank
✓ FDIC-insured · Active FDIC Certificate #18143
Oconee State Bank is an FDIC-insured state-chartered bank that is not a Federal Reserve member (supervised by the FDIC), headquartered in Watkinsville, Georgia, established in 1960. As of the 06/30/2026 FDIC call report, it reported $744M in total assets and $658M in deposits. FDIC location data lists 7 offices in Georgia. The FDIC classifies it as a community bank. It is owned by the holding company OCONEE FINANCIAL CORP (Watkinsville, GA).
Financial data as of the 06/30/2026 FDIC call report.
Where it operates
All 7 of Oconee State Bank's FDIC-listed offices are in Georgia. Browse banks in Watkinsville for other local options.
Branch locations
| Oconee State Bank Oconee State Bank · Full Service - Brick And Mortar | 35 N Main St Watkinsville, GA 30677 Map ↗ |
| Oconee State Bank Bogart Branch · Full Service - Brick And Mortar | 2441 Monroe Hwy Bogart, GA 30622 Map ↗ |
| Oconee State Bank Mortgage Office Branch · Limited Service - Loan Production | Durham Street, Unit 10, Oakhill Office Condominiums Watkinsville, GA 30677 Map ↗ |
| Oconee State Bank Elberton Branch · Full Service - Brick And Mortar | 6 E Church St Elberton, GA 30635 Map ↗ |
| Oconee State Bank Gwinnett Financial Center Branch · Full Service - Brick And Mortar | 2055 Sugarloaf Cir Duluth, GA 30097 Map ↗ |
| Oconee State Bank Athens Financial Center Branch · Full Service - Brick And Mortar | 1 Press Pl Athens, GA 30601 Map ↗ |
| Oconee State Bank Macon Financial Center Branch · Full Service - Brick And Mortar | 305 Third Street Macon, GA 31201 Map ↗ |
Holding company: OCONEE FINANCIAL CORP
The FDIC lists OCONEE FINANCIAL CORP, based in Watkinsville, GA, as the top holding company for Oconee State Bank. The FDIC shows no other active insured banks under the same holding company.
Similar-size banks in Georgia
Active FDIC-insured banks headquartered in Georgia with total assets closest to Oconee State Bank's $744M. See all banks in Georgia.
| Bank | HQ city | Assets | Offices |
|---|---|---|---|
| First Century Bank, National Association | Commerce | $832M | 2 |
| Barwick Banking Company | Barwick | $830M | 7 |
| PromiseOne Bank | Duluth | $812M | 10 |
| Citizens Trust Bank | Atlanta | $790M | 7 |
| First National Community Bank | Chatsworth | $755M | 11 |
| FNB SOUTH | Alma | $735M | 4 |
| First State Bank of Blakely | Blakely | $668M | 8 |
| Northeast Georgia Bank | Lavonia | $651M | 9 |
Oconee State Bank: common questions
Is Oconee State Bank FDIC-insured?
Yes. Oconee State Bank is an active FDIC-insured institution, FDIC Certificate #18143. Deposits are insured up to $250,000 per depositor, per ownership category. You can confirm this on FDIC BankFind.
Where is Oconee State Bank headquartered?
Oconee State Bank is headquartered at 35 N Main St, Watkinsville, GA 30677, according to FDIC records.
How many branches does Oconee State Bank have?
FDIC location data lists 7 offices for Oconee State Bank, all in Georgia.
Who owns Oconee State Bank?
The FDIC lists OCONEE FINANCIAL CORP of Watkinsville, GA as the top holding company for Oconee State Bank.
Source: FDIC BankFind Suite (institution, location, and call report data). BankNearMe.com does not rank or rate banks.