SBA lender profile
Oconee State Bank
Oconee State Bank appears in the public SBA loan data with 129 funded 7(a) loans since FY2010, totaling $105.2M, an average of $816K per loan, and an estimated 1,271 jobs supported. Its SBA lending concentrates in Georgia and the Finance and Insurance sector. Across its 7(a) loans, the charge-off rate is 0.0%. 58.1% of its 7(a) loans were processed under delegated PLP authority.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, FY2010–2026 (as of 2026-03-31)
- Track record 89
- Scale 64
- Activity 82
- Consistency 56
A relative profile signal from the public SBA record, not a prediction of approval or a guarantee.
Is Oconee State Bank the right lender for you?
Lenders fund what they know. Oconee State Bank's SBA lending concentrates in Georgia (69 loans) and Finance and Insurance (28 loans), at an average loan of $816K. If your business does not look like that, a different SBA lender is likely the better fit.
See which SBA lenders fund businesses like yours →Ranked on the funded-loan record, not on who pays. Free, and your details go only to the lenders we match you to.
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 | 69 | $64.6M |
| Florida | 13 | $7.8M |
| Nevada | 7 | $5.4M |
| South Carolina | 4 | $4.3M |
| North Carolina | 5 | $3.5M |
| Texas | 6 | $2.6M |
Metro areas where Oconee State Bank funds
What Oconee State Bank funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Finance and Insurance | 28 | $22.9M |
| Health Care and Social Assistance | 19 | $18.4M |
| Retail Trade | 13 | $15.7M |
| Arts, Entertainment, Recreation | 17 | $9.0M |
| Educational Services | 6 | $8.9M |
| Accommodation and Food Services | 11 | $7.2M |
Oconee State Bank SBA lending by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2018 | 12 | $6.2M |
| 2019 | 16 | $13.0M |
| 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 |
Related SBA lenders
Other lenders active in Georgia or in Finance and Insurance.
Comparing lenders? See how to choose an SBA lender by track record.
Oconee State Bank: frequently asked questions
Does Oconee State Bank offer SBA loans?
Yes. Oconee State Bank appears in the public SBA data with 129 funded SBA 7(a) loans totaling $105.2M.
How many SBA loans has Oconee State Bank made?
Oconee State Bank is associated with 129 SBA 7(a) loans totaling $105.2M in the public SBA data (as of 2026-03-31).
What is Oconee State Bank's SBA charge-off rate?
About 0.0% of Oconee State Bank's 7(a) loans in the data have been charged off. A lower rate is generally a better sign, but it is not a lifetime default rate; see our methodology for how it is calculated.
Where does Oconee State Bank do most of its SBA lending?
Oconee State Bank's SBA lending in the data is most concentrated in Georgia, and by industry in Finance and Insurance.
Is Oconee State Bank an SBA Preferred Lender (PLP)?
The loan record shows Oconee State Bank operating under PLP delegated authority: 75 of its 7(a) loans (58.1%) were processed through the Preferred Lenders Program, including 44 in FY2024–2026. The SBA grants and renews PLP status and publishes no public roster, so this is the processing record, not a certification.
This page is the public view of your institution's SBA record: rank, trajectory, and market position, computed from the complete public 7(a)/504 dataset. The full competitive picture (your share against named competitors by state and industry, and the growing markets you're absent from) is available to your team.
Request your institution's benchmarking →Mario Bailey. (2026). Oconee State Bank SBA lending profile. SBA Loan Index. https://sbaloanindex.com/lenders/oconee-state-bank/
Free to cite and quote with attribution and a link. Members of the press can reach us via our press page.
Looking for a lender like this?
Compare a few SBA lenders by track record, then get matched with SBA-approved lenders that fund businesses like yours.
Get SBA lending trends in your inbox
Occasional, data-driven briefings on SBA lending by industry and state. No spam, unsubscribe anytime.
We use your email only to send lending-trend updates. See our privacy policy.