OCONEE STATE BANK
WATKINSVILLE, GEORGIA · FDIC Cert #18143
Capital & Safety Analysis
According to FDIC financial data, OCONEE STATE BANK holds a Tier 1 capital ratio of 13.16%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning OCONEE STATE BANK has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
OCONEE STATE BANK shows strong financial health indicators. With $602M in assets and a Health Score of 84/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
OCONEE STATE BANK has a Bank Health Score of A (84/100). It holds a Tier 1 capital ratio of 13.16%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
OCONEE STATE BANK holds $602M in total assets and $538M in total deposits. It is located in WATKINSVILLE, GEORGIA (FDIC Certificate #18143).
OCONEE STATE BANK has a Tier 1 capital ratio of 13.16%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 1.36%, and the return on assets is 1.17%.
Yes. OCONEE STATE BANK is FDIC-insured (Certificate #18143). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.