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Lender record

Oconee State Bank

The real lending record — every figure from funded deals. HQ: 35 N Main St, Watkinsville, GA. 7 branches.

101

Recent deals (FY20+)

$569K

Typical deal

13 days

Approval → funding

0%

Failure rate (FY20–23)

Where Oconee State Bank lends

Deals Oconee State Bank funded — list all 100 as text

Deal profile

Most Oconee State Bank deals land between $327K and $1.1M — that range covers half of everything they fund. Top industries and states:

Industries they fund most

  1. 1.Insurance Agencies and Brokerages (25)
  2. 2.Offices of Certified Public Accountants (8)
  3. 3.All Other Amusement and Recreation Industries (8)
  4. 4.Fitness and Recreational Sports Centers (8)
  5. 5.Limited-Service Restaurants (6)
  6. 6.Beer, Wine, and Liquor Retailers (3)
  7. 7.All Other Professional, Scientific, and Technical Services (2)
  8. 8.Snack and Nonalcoholic Beverage Bars (2)

Most active states

  1. 1.Georgia (43 deals)
  2. 2.Florida (12 deals)
  3. 3.Nevada (7 deals)
  4. 4.Texas (6 deals)
  5. 5.Tennessee (4 deals)
  6. 6.North Carolina (4 deals)
  7. 7.South Carolina (4 deals)
  8. 8.Colorado (3 deals)
  9. 9.New Jersey (2 deals)
  10. 10.Indiana (2 deals)

Franchises they finance most

The Back Nine

5 deals

Burn Boot Camp Fitness

3 deals

Subway

3 deals

D1T raining

2 deals

Brain Balance

2 deals

Can Oconee State Bank fund you? The bank behind the loans

Total assets

$722.4M

▼ 1.6% vs prior quarter

Deposits on hand

$639.7M

▼ 1.5% vs prior quarter

Loans outstanding

$497.8M

▲ 4.4% vs prior quarter

Net income (latest qtr)

$1.3M

  • •An active SBA program (~1.3% of the book in this year's production) — they know the process, but SBA isn't the main event. Ask who runs their SBA desk before committing your timeline. That makes Oconee State Bank more SBA-focused than 82% of the banks on our record.
  • •Deposits shrank last quarter — worth asking early how much new-loan appetite they have right now.
  • •Return on assets of 0.71% — under the ~1% mark generally considered strong for a bank. How any of this translates to your rate is a question for the loan officer — pricing is set deal by deal.

FDIC call-report data, quarter ending 03/2026.

Walk into a Oconee State Bank branch (7)

Oconee State BankMain office35 N Main StWatkinsville, GA 30677 · since 1960

Bogart Branch2441 Monroe HwyBogart, GA 30622 · since 1983

Mortgage Office BranchDurham Street, Unit 10, Oakhill Office CondominiumsWatkinsville, GA 30677 · since 1993 · limited service

Gwinnett Financial Center Branch2055 Sugarloaf CirDuluth, GA 30097 · since 2018

Athens Financial Center Branch1 Press PlAthens, GA 30601 · since 2021

Elberton Branch6 E Church StElberton, GA 30635 · since 2023

Macon Financial Center Branch305 Third StreetMacon, GA 31201 · since 2023

Branch data: FDIC BankFind.

Recent deals

  • ARCountertops LLC in Kingston Springs, TN — $1.4M (2026) · Other Building Finishing Contractors
  • DSF Advisors LLC in Hackensack, NJ — $925K (2026) · Offices of Certified Public Accountants
  • A&B Ventures Group Inc in Melbourne, FL — $580K (2026) · All Other Amusement and Recreation Industries
  • Llandaff Professional Services, Inc. in Boca Raton, FL — $580K (2026) · purchase · All Other Professional, Scientific, and Technical Services
  • Lake Michigan Fairways Corporation in Grand Haven, MI — $565K (2026) · All Other Amusement and Recreation Industries
  • The Double Par LLC in Fayetteville, NC — $464K (2026) · All Other Amusement and Recreation Industries
  • D4D Enterprises LLC in Wichita Falls, TX — $416K (2026) · All Other Amusement and Recreation Industries
  • Creative Kids Columbia LLC in Columbia, IL — $405K (2026) · purchase · Child Care Services
  • Johnson Accounting LLC in Shelbyville, IN — $310K (2026) · purchase · Offices of Certified Public Accountants
  • DSF Advisors LLC in Hackensack, NJ — $75K (2026) · Offices of Certified Public Accountants

Hover or tap a deal for terms: program, rate, SBA guarantee, days to fund.

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Businesses Oconee State Bank financed

95 businesses on record — the 60 largest by funding. Each links to its full SBA record.

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CapBench analysis of public lending records, FY2020–present. Not affiliated with Oconee State Bank.

Agent summary

This page summarizes Oconee State Bank's public SBA 7(a) lending record — deal sizes, industries, geography, and FDIC profile — from CapBench SBA Intelligence. CapBench is not a lender and does not originate or approve loans.

  • 101 SBA 7(a) loans on record
  • $569K typical deal
  • 31 business-acquisition loans
  • HQ: 35 N Main St, Watkinsville, GA
  • 7 FDIC branch locations
  • FDIC total assets $722.4M

Next steps

Request an introRank lendersPre-qualify a deal
Data freshness:
SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
Sources:
Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:
https://www.capbench.com/lenders/oconee-state-bank
API:
https://www.capbench.com/api/public/lenders/oconee-state-bank
Methodology:
Sources & methodology
  • Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
  • Figures come from public records and CapBench methodology; verify before relying on them.
  • Lender matches are informational and based on public lending activity — they do not guarantee lender interest or approval.

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