FDIC-insured bank
Oconee State Bank — Watkinsville, GA
Bank headquartered in Watkinsville, Georgia, part of OCONEE FINANCIAL CORP.
Source: FDIC BankFind Suite, data as of June 30, 2026, fetched September 5, 2026
Headquarters and contact
| Address | 35 N Main St Watkinsville, GA 30677 |
| County | Oconee |
| Metro area | Athens-Clarke County, GA |
| Website | www.oconeestatebank.com |
| Phone | not published in FDIC data, see the bank's website |
FDIC record
| FDIC Certificate | 18143 |
| Federal Reserve RSSD ID | 573036 |
| Status | Active |
| Charter class | NM (STATE) |
| Holding company | OCONEE FINANCIAL CORP |
| Domestic offices | 7 |
| Financials as of | June 30, 2026 |
How to find your Oconee State Bank routing number
FDIC does not publish ABA routing numbers, and many banks use different routing numbers by state or by account type. The reliable places to find yours: the bottom left of a check from this bank, the "account details" screen in its online banking, or its official website at www.oconeestatebank.com.
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Offices nearest to headquarters
| Oconee State Bank main office Watkinsville, GA |
35 N Main St, 30677 |
| Mortgage Office Branch Watkinsville, GA |
Durham Street, Unit 10, Oakhill Office Condominiums, 30677 |
| Athens Financial Center Branch Athens, GA |
1 Press Pl, 30601 |
| Bogart Branch Bogart, GA |
2441 Monroe Hwy, 30622 |
| Elberton Branch Elberton, GA |
6 E Church St, 30635 |
| Gwinnett Financial Center Branch Duluth, GA |
2055 Sugarloaf Cir, 30097 |
| Macon Financial Center Branch Macon, GA |
305 Third Street, 31201 |
Where Oconee State Bank has offices
Cities with the most Oconee State Bank offices
Largest banks headquartered elsewhere in Georgia
| Ameris Bank Atlanta | $28.42 billion |
| RBC Bank, (Georgia) National Association Atlanta | $9.59 billion |
| Metro City Bank Doraville | $4.47 billion |
| Vallant Bank Elberton | $3.99 billion |
| Colony Bank Fitzgerald | $3.61 billion |
| Georgia Banking Company Atlanta | $3.26 billion |
| Queensborough National Bank & Trust Company Louisville | $2.28 billion |
| Thomasville National Bank Thomasville | $2.18 billion |
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