OSBKOconee Financial Corp.

About Oconee Financial Corp. (OSBK)

Oconee Financial Corp. (OSBK) is a Banks - Regional company headquartered in Watkinsville, GA, United States whose shares trade over-the-counter on the OTCQX tier.

Commercial bank.

Products and services

Oconee Financial Corporation (OFC), a registered bank holding company headquartered in Watkinsville, Georgia, was incorporated under the laws of the State of Georgia on October 13, 1998 and commenced operations by acquiring 100% of the outstanding shares of Oconee State Bank effective January 1, 1999. OFC's principal source of income has historically been dividends from the Bank. Oconee State Bank provides a wide variety of lending products for both businesses and consumers. Commercial loan products include lines of credit, letters of credit, term loans, equipment loans, commercial real estate loans, construction loans, accounts receivable financing, and working capital financing. Financing products for individuals include auto, home equity, overdraft protection lines and, through a third party provider, MasterCard debit cards. Real estate loan products include construction loans, land loans, mini-perm commercial real estate loans, and home mortgages. In addition, the Bank provides a broad range of deposit instruments and general banking services, including checking, savings accounts (including money market demand accounts), certificates of deposit for both business and personal accounts; internet banking services, such as cash management and Bill Pay; telebanking (banking by phone); courier services, ATM deposits and mobile banking services which includes mobile capture.

OSBK key facts

Ticker symbol

OSBK

Market tier

OTCQX

Sector

Financial Services

Industry

Banks - Regional

Headquarters

Watkinsville, GA, United States

Country of incorporation

US

Year of incorporation

1998

Employees

102

Estimated market cap

$41.17M (as of May 13, 2025)

Shares outstanding

1,046,553

Reporting standard

U.S. Reporting: Bank/Thrift

Audit status

Audited

Fiscal year end

12/31

Latest filing

Quarterly Report (Mar 31, 2025)

Oconee Financial Corp. leadership

• T. Neil Stevens — CEO, President
• James R. McLemore — CFO
• Pamela J Lewallen — Controller

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