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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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SBA 7(a) Acquisition Loan Data As Of December 31, 2025
Last 12 Months
Last 3 Years
YoY Growth
low activity
As Of December 31, 2025
Median
$783K
Average
$1.0M
Sweet Spot
$500K-$1M
Industries with highest loan volume
Insurance Agencies and Brokerages
9
loans
$1.1M
avg. amount
Insurance Agencies and Brokerages
Loans
9
Avg. Amount
$1.1M
Beer, Wine, and Liquor Retailers
1
loans
$960K
avg. amount
Beer, Wine, and Liquor Retailers
Loans
1
Avg. Amount
$960K
Shoe Retailers
1
loans
$327K
avg. amount
Shoe Retailers
Loans
1
Avg. Amount
$327K
Hardware Retailers
1
loans
$569K
avg. amount
Hardware Retailers
Loans
1
Avg. Amount
$569K
Other Services to Buildings and Dwellings
1
loans
$305K
avg. amount
Other Services to Buildings and Dwellings
Loans
1
Avg. Amount
$305K
Landscaping Services
1
loans
$604K
avg. amount
Landscaping Services
Loans
1
Avg. Amount
$604K
Fine Arts Schools
1
loans
$2.6M
avg. amount
Fine Arts Schools
Loans
1
Avg. Amount
$2.6M
Pet Care (except Veterinary) Services
1
loans
$150K
avg. amount
Pet Care (except Veterinary) Services
Loans
1
Avg. Amount
$150K
Offices of Certified Public Accountants
1
loans
$910K
avg. amount
Offices of Certified Public Accountants
Loans
1
Avg. Amount
$910K
Drycleaning and Laundry Services (except Coin-Operated)
1
loans
$646K
avg. amount
Drycleaning and Laundry Services (except Coin-Operated)
Loans
1
Avg. Amount
$646K
10-Year Default Rate
0.0%
Percentile Ranking
0th percentile
This Lender
Market Average
| Loan Size | Avg Rate |
|---|---|
| $0-$500K | Prime + 2.44% |
| $500K-$1M | Prime + 2.15% |
| $1M-$2M | Prime + 2.05% |
| $2M-$3M | Prime + 2.50% |
| $3M-$4M | Prime + 1.75% |
As Of December 31, 2025 - States by loan volume (darker blue = higher volume)