BlastPoint's Banking Scorecard
Oconee State Bank
Community
Specialty: Commercial
GA
FDIC cert 18143
Watkinsville, GA
1484
banks in Community tier nationally
36 in GA
View Community leaderboard (GA) →
Oconee State Bank shows stable performance across key metrics
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$733.9M
+14.7% YoY
+6.5% QoQ
|
-$657.6M |
$1.4B
+2.0% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
30% |
| Total Loans ? |
$477.0M
+17.4% YoY
+2.3% QoQ
|
-$498.5M |
$975.5M
+2.4% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
27% |
| Total Deposits ? |
$649.6M
+13.9% YoY
+6.9% QoQ
|
-$515.0M |
$1.2B
+1.7% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
33% |
| Return on Assets ? |
0.98%
+9.2% YoY
-5.0% QoQ
|
-0.19% |
1.16%
+17.2% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
37% |
| Net Interest Margin ? |
4.33%
+3.9% YoY
-0.0% QoQ
|
+0.66% |
3.66%
+9.1% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
82% |
| Efficiency Ratio ? |
70.54%
-1.5% YoY
+1.8% QoQ
|
+7.91% |
62.63%
-5.3% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
26% |
| Delinquency Rate ? |
1.31%
+6.2% YoY
+5.3% QoQ
|
+0.68% |
0.63%
+18.3% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
19% |
| Loan-to-Deposit Ratio ? |
73.42%
+3.1% YoY
-4.3% QoQ
|
-9.64% |
83.06%
+0.3% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
25% |
| Non-Interest-Bearing Deposit Share ? |
20.35%
-5.7% YoY
-6.3% QoQ
|
-0.69% |
21.05%
-0.9% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
52% |
| Nonperforming Asset Ratio ? |
0.85%
+8.7% YoY
+1.1% QoQ
|
+0.35% |
0.50%
+20.3% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
24% |
| Tier 1 Capital Ratio ? |
13.50%
+3.6% YoY
+0.5% QoQ
|
+3.25% |
10.24%
-0.6% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
63% |
| Non-Interest Income / Assets ? |
0.87%
-0.4% YoY
+16.2% QoQ
|
+0.13% |
0.74%
-1.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
81% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
82
82th pctile
Net Interest Margin
Current: 4.33% · Tier avg: 3.66%
81
81th pctile
Non-Interest Income / Assets
Current: 0.87% · Tier avg: 0.74%
63
63th pctile
Tier 1 Capital Ratio
Current: 13.50% · Tier avg: 10.24%
52
52th pctile
Non-Interest-Bearing Deposit Share
Current: 20.35% · Tier avg: 21.05%
37
37th pctile
Return on Assets
Current: 0.98% · Tier avg: 1.16%
33
33th pctile
Total Deposits
Current: $649.6M · Tier avg: $1.2B
30
30th pctile
Total Assets
Current: $733.9M · Tier avg: $1.4B
27
27th pctile
Total Loans
Current: $477.0M · Tier avg: $975.5M
26
26th pctile
Efficiency Ratio
Current: 70.54% · Tier avg: 62.63%
25
25th pctile
Loan-to-Deposit Ratio
Current: 73.42% · Tier avg: 83.06%
24
24th pctile
Nonperforming Asset Ratio
Current: 0.85% · Tier avg: 0.50%
19
19th pctile
Delinquency Rate
Current: 1.31% · Tier avg: 0.63%
Top Weaknesses
19
19th pctile
Delinquency Rate
Current: 1.31% · Tier avg: 0.63%
24
24th pctile
Nonperforming Asset Ratio
Current: 0.85% · Tier avg: 0.50%
25
25th pctile
Loan-to-Deposit Ratio
Current: 73.42% · Tier avg: 83.06%
26
26th pctile
Efficiency Ratio
Current: 70.54% · Tier avg: 62.63%
27
27th pctile
Total Loans
Current: $477.0M · Tier avg: $975.5M
30
30th pctile
Total Assets
Current: $733.9M · Tier avg: $1.4B
33
33th pctile
Total Deposits
Current: $649.6M · Tier avg: $1.2B
37
37th pctile
Return on Assets
Current: 0.98% · Tier avg: 1.16%
52
52th pctile
Non-Interest-Bearing Deposit Share
Current: 20.35% · Tier avg: 21.05%
63
63th pctile
Tier 1 Capital Ratio
Current: 13.50% · Tier avg: 10.24%
81
81th pctile
Non-Interest Income / Assets
Current: 0.87% · Tier avg: 0.74%
82
82th pctile
Net Interest Margin
Current: 4.33% · Tier avg: 3.66%