Oconee State Bank is a locally owned and operated Community Bank in Oconee County, offering a competitive line of products and services.  Member FDIC and Equal Housing Lender

In the early 1900s, there were banks in all the small towns of Oconee County…Bishop, Bogart, Eastville, Farmington and Watkinsville. When the Depression came along in 1929, all the banks went broke and Oconee County was without a bank for the next 30 years. 

In 1958, a group of community leaders recognized the need for a bank in Oconee County and started a process of getting the necessary approval for a state chartered community bank. In 1959, they announced that the FDIC had approved a community bank and Oconee State Bank opened its doors for business on February 1, 1960 with 3 employees and a small corner office on Main Street in downtown Watkinsville.
 
Because the local people had lost money in banks that went broke, it was important for the founders to promote the bank as a “locally-owned bank” that would be owned by local citizens who purchased original shares of stock. Thus, it would be a true community bank. One of the strengths of the bank was that it knew its customers and focused on serving the community as well as taking care of its employees and customers.
 
Today, Oconee State Bank has 3 full-service branches located in Oconee County, GA as well as a website which serves as an “Internet Branch.” In December 2004, the H. Mell Wells Operations Center and Rosella E. Hansford Learning Center were dedicated. This facility houses the offices of bank wide support staff including Human Resources, Education Department, Marketing, Retail Administration, IT and Operations, Loan Operations, Finance and the Personal Banking Center.
 
The vision of the founders continues today. We are proud to provide an unparalleled commitment to personalized service, value-added products, and a deep sense of responsibility to the communities we serve.

Banking

Oconee State Bank

Oconee State Bank's headquarters in Watkinsville, GA, United States

Joe Godfrey

Tareasa Harrell

Shannon P. Johnson

The Commercial Banking Team at Oconee State Bank specializes in providing customized financial solutions for local businesses, fostering economic growth within the community. Their services include commercial lending, business development, and managing Small Business Administration (SBA) loans, with a focus on personalized service and deep community engagement to meet the unique needs of Oconee County's business sector.

Commercial Banking Team

The Community Banking Team at Oconee State Bank focuses on cultivating and maintaining strong relationships within the local communities. This team is dedicated to providing personalized banking services, engaging with community members to understand their financial needs, and fostering local economic growth. Through leadership and collaboration, they ensure that the bank remains a true community-oriented institution, aligned with the vision of its founders.

Community Banking Team

The Credit and Financial Operations team at Oconee State Bank manages and oversees the bank's lending and deposit functions, ensuring compliance with regulatory standards and internal policies. This team is responsible for evaluating creditworthiness, processing loan applications, maintaining financial records, and optimizing the bank's financial performance. Their goal is to uphold the bank's commitment to personalized service and community-focused financial solutions.

Credit and Financial Operations

The Leadership Team at Oconee State Bank drives strategic initiatives, oversees key business functions, and ensures exceptional service and community engagement across its branches. Comprised of senior vice presidents and community presidents, this team focuses on fostering strong relationships within the communities they serve, guiding commercial lending efforts, and maintaining a vision aligned with the bank's core values and mission.

Oconee State Bank

Org chart

Teams

Commercial Banking Team

Community Banking Team

Credit and Financial Operations

Leadership Team

Offices

Oconee State Bank

Org chart

Teams

Commercial Banking Team

Community Banking Team

Credit and Financial Operations

Leadership Team

Offices

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