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Oconee Financial Corp
35 North Main Street
Phone: (706) 769-6611p:706 769-6611 WATKINSVILLE, GA  30677  United States Ticker: OSBKOSBK
This company ceased filing statements with the SEC on 4/18/2012.
Business Summary
Oconee Financial Corporation is a one-bank holding company for Oconee State Bank (the Bank). The Bank provides a full range of commercial and consumer banking services primarily in Oconee, Clarke, Gwinnett, Elbert, Bibb, and Bulloch counties in Georgia and in Washington County in Tennessee. Its personal products and services include basic checking, essential checking, essential plus checking, regular savings, OSB kids club, insured money market, certificates of deposit, individual retirement account, consumer loans, and construction loans. Its business products and services include business checking, commercial savings, commercial money market, certificates of deposit, commercial lending, small business administration, and business services. Its debit and credit card includes VISA debit cards, personal VISA credit cards, and business VISA credit cards. Its digital solutions include online banking, mobile banking, telephone banking, estatements, wire origination, bill pay, and Zelle.
(Source: Company's Website)

Scores and Ratings
FRISK®
Score		 Z''
Score		 PAYCE®
Score		 DBT
Index		 Moody's
Rating		 Fitch
Rating		 DBRS
Rating
---Yes---

Financials, News and Filings
Latest
Statement		 Last
Audit
News		 SEC
Filings		 Bankruptcy
Filings		 Suit &
Judgment
Filings		 Tax
Lien
Filings
12/31/202312/31/2011YesYes---

Industries
SIC Code Description
6022 State commercial banks
6029 Commercial banks, not elsewhere classified
6712 Offices of bank holding companies

Officers and Directors

Title
Name
Age		 Title
Date		 Start
Date
Independent Chairman of the Board Douglas D.Dickens 68 1/1/1997 1/1/1989
President, Chief Executive Officer, Director B. AmreyHarden 57 1/1/1994 1/1/1987
Independent Vice Chairperson of the Board Virginia S.Wells 70 5/19/2008 1/1/1990
6 additional Officers and Directors records available in full report.

Subsidiaries
Business Name Address City State/Province Country
Elberton Federal Savings and Loan Association 6 CHURCH STREET ELBERTON GA United States
Oconee State Bank P. O. Box 205 Watkinsville GA United States

Business Names
Business Name
Elberton Federal Savings and Loan Association
OCNE
OCONEE FINANCIAL CORP
4 additional Business Names available in full report.

General Information
Number of Employees: 65 (As of 12/31/2011)
Outstanding Shares: 1,050,924 (As of 12/31/2025)
Shareholders: 726
Stock Exchange: OTC
Federal Tax Id: 582442250


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Sunday, April 12, 2026