Oconee State Bank
Oconee State Bank is a locally owned and operated community bank headquartered in Watkinsville, Georgia, committed to personalized service and deep responsibility to its communities. Founded in 1960, the bank provides personal and business banking services across seven branches in Georgia. As an FDIC member, it operates under the commitment to deliver remarkable banking experiences.
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Data source: SBA 7(a) FOIA loan-level data, covering activity through June 30, 2026 across the trailing 3 years (21 loan records for this lender). Refreshed quarterly from public loan-level records; figures are not supplied or reviewed by the lender.
Oconee State Bank ranks #151 of 564 SBA 7(a) lenders nationally by acquisition-loan volume.
Most of Oconee State Bank’s 7(a) acquisition lending falls in the $500K-$1M range: 10 loans, 47.6% of the portfolio.
| Loan size | Share of loans | Loans | % of portfolio |
|---|---|---|---|
| $0-$500K | 5 | 23.8% | |
| $500K-$1M | 10 | 47.6% | |
| $1M-$2M | 4 | 19.1% | |
| $2M-$3M | 1 | 4.8% | |
| $3M-$4M | 1 | 4.8% |
Industries with highest loan volume
Insurance Agencies and Brokerages
8
loans
$1.1M
avg. amount
Offices of Certified Public Accountants
2
loans
$610K
avg. amount
Other Services to Buildings and Dwellings
1
loans
$305K
avg. amount
Other Personal Care Services
1
loans
$258K
avg. amount
All Other Professional, Scientific, and Technical Services
1
loans
$580K
avg. amount
Pet Care (except Veterinary) Services
1
loans
$150K
avg. amount
Landscaping Services
1
loans
$604K
avg. amount
Drycleaning and Laundry Services (except Coin-Operated)
1
loans
$646K
avg. amount
Automotive Parts and Accessories Retailers
1
loans
$569K
avg. amount
Shoe Retailers
1
loans
$327K
avg. amount
10-Year
0.0%
Percentile Ranking
0th percentile
Oconee State Bank’s median variable rate is + 2.25%, against a market median of Prime + 1.88%, 38 above market.
It priced below the market median in 0 of the last 3 quarters.
| Loan Size | Avg Rate |
|---|---|
| $0-$500K | Prime + 2.35% |
| $500K-$1M | Prime + 2.10% |
| $1M-$2M | Prime + 2.06% |
| $2M-$3M | Prime + 2.50% |
| $3M-$4M | Prime + 1.75% |
| Quarter | This lender | Market median | Market range | Loans |
|---|---|---|---|---|
| Q3 '23 | Prime + 2.00% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 4 |
| Q2 '24 | Prime + 2.00% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 3 |
| Q1 '25 | Prime + 2.50% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 3 |
Oconee State Bank has originated 7(a) acquisition loans in 9 states, most actively in Georgia (7), Florida (4) and Nevada (3). Darker states on the map carry more volume.
| State | Loans | % of Total |
|---|---|---|
| Georgia | 7 | 33.3% |
| Florida | 4 | 19.0% |
| Nevada | 3 | 14.3% |
| Texas | 2 | 9.5% |
| Pennsylvania | 1 | 4.8% |
| Indiana | 1 | 4.8% |
| Alabama | 1 | 4.8% |
| Tennessee | 1 | 4.8% |
| Rhode Island | 1 | 4.8% |
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