SBA lender profile
Oconee State Bank
Oconee State Bank appears in the public SBA loan data with 101 funded 7(a) loans totaling $86.0M, an average of $852K per loan, and an estimated 908 jobs supported. Its SBA lending concentrates in Georgia and the Finance and Insurance sector. Across all of its loans in the data, its charge-off rate is 0.0%.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, as of 2026-03-31
Funded loans
101
Total volume
$86.0M
Average loan size
$852K
Charge-off rate
0.0%
Share of funded loans charged off
Jobs supported (reported)
908
Programs
7(a)
Bank profile
via FDIC- Total assets
- $722M
- Headquarters
- Watkinsville, GA
- FDIC cert
- #18143
- Status
- Active
Where Oconee State Bank lends
Top states by funded SBA volume.
| State | Loans | Total volume |
|---|---|---|
| Georgia | 43 | $45.9M |
| Florida | 12 | $7.5M |
| Nevada | 7 | $5.4M |
| South Carolina | 4 | $4.3M |
| North Carolina | 4 | $3.2M |
| Texas | 6 | $2.6M |
What Oconee State Bank funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Finance and Insurance | 25 | $22.1M |
| Retail Trade | 10 | $12.9M |
| Health Care and Social Assistance | 10 | $10.1M |
| Arts, Entertainment, Recreation | 16 | $8.8M |
| Educational Services | 4 | $8.4M |
| Accommodation and Food Services | 9 | $6.6M |
Oconee State Bank SBA lending by year
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2020 | 13 | $11.6M |
| 2021 | 5 | $1.8M |
| 2022 | 10 | $8.5M |
| 2023 | 25 | $19.9M |
| 2024 | 12 | $9.8M |
| 2025 | 24 | $28.7M |
| 2026 | 12 | $5.8M |
Sources and disclaimer. All figures are computed from
the U.S. Small Business Administration's public FOIA 7(a) and 504 loan data (as of 2026-03-31),
as described in our methodology.
The charge-off rate is the share of Oconee State Bank's funded loans marked charged off across all of its
loans in the data; it is not a lifetime default rate. SBA Loan Index is not affiliated with the
SBA and is not a lender, broker, or financial advisor. This is general information, not advice.
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