In 2025, the Oconee Team built on the strong momentum of 2024, producing over $39 million in loans, achieving $16.7 million in total deposit growth, and generating excellent fee income across the market. We remained focused on strengthening our presence in the community and deepening relationships with those we serve, and we were proud of the progress made throughout the year. We are well-positioned to carry that growth and momentum into 2026 with clear priorities, intentional relationship-building, and a continued commitment to delivering excellent service across all of our locations.

In 2025, the Gwinnett Team reached a defining milestone—surpassing $100 million in loans outstanding and building a deposit base nearly equal in strength. This achievement reflects not only exceptional production but also the trust we’ve earned across the community and the consistency with which our team lives out Oconee State Bank’s mission, vision, and values.

A key contributor to this success was the addition of Adam Frangos, Commercial Lender. Adam quickly integrated into the team and made an immediate impact. His strong production played a meaningful role in helping us reach the $100 million milestone, and he consistently demonstrates the behaviors required for continued success in the Gwinnett Market—collaboration, responsiveness, community engagement, and a genuine commitment to creating raving fans.

Throughout the year, our team continued to show the resilience, unity, and dedication that define the Gwinnett Market. We celebrated standout contributions from team members whose leadership elevated our performance and strengthened our culture. We expanded our presence in the community, deepened relationships, and reinforced our reputation as a trusted financial partner.

Being voted Best of Gwinnett once again was another proud moment—an external affirmation of the passion, service, and care we bring to every client interaction.

As we look ahead, we carry strong momentum and a renewed focus on achieving our goals, creating raving fans, and positioning Oconee State Bank as one of Georgia’s most remarkable banks. By staying aligned, working together, and delivering exceptional service, we are poised for another year of meaningful growth and impact.”

2025 was a year of transition for the Macon Market, marked by meaningful growth and renewed momentum. The team was strengthened with the addition of four seasoned community bankers who complemented the strong, customer-focused foundation already in place. During the fourth quarter, the market was relaunched and rebranded as the Middle Georgia Market. This rebranding is already seen in a significant expansion of our customer base in Houston County. The team grew deposits from $9.3 million to $28.3 million, which is over 300% growth for the year, and a robust loan pipeline was built for a strong start to 2026. The bank continued to be a good steward by partnering with our community to support new civic/community endeavors while continuing to support existing projects. Our Middle Georgia team is empowered to deliver solutions through collaboration and unity with other areas of the bank to create remarkable service experiences that significantly mark the lives of others. Doing all these things in 2026 with a long-term perspective will bring excellence to our market.

In 2025, we took the next meaningful step in establishing a lasting presence in the Statesboro market. Building on the momentum from our initial entry, both our loan and deposit portfolios grew in line with expectations and pro forma, reinforcing the strength of the relationships we’ve been intentional about building from day one. A major milestone for the year was the completion of our new location in early September. The facility reflects a thoughtful, distinctive design that is true to the character and culture of Oconee State Bank, while also incorporating elements that are reflective of the Statesboro community we serve – creating a space that is welcoming, relationship-focused, and built to serve as a hub for connection. Equally important has been the continued growth of our brand recognition and client trust throughout the market. Through consistent community involvement and a commitment to delivering a remarkable banking experience, we’ve seen strong engagement and an expanding pipeline of opportunities heading into 2026. As we look ahead, we are excited about building out a dedicated local team and transitioning to a full-service operation in the near future. This next phase will allow us to deepen relationships, enhance our service capabilities, and further solidify our role as a trusted financial partner in Statesboro. The foundation is firmly in place, and the trajectory ahead is clear – this market represents a significant growth opportunity for Oconee State Bank, and we are just getting started.

2025 was a significant year for Oconee State Bank as we expanded into a new market and a new state with the launch of the Trio South brand. In April, we celebrated the grand opening of our Johnson City office, marking an important milestone in our growth journey. Establishing a physical presence, combined with our commitment to building strong relationships in the Johnson City market, has positioned us well for future success. While this was a year focused on strategic investment and market entry, we are confident the foundational building blocks are now in place to support resilient, long-term growth in Tennessee and beyond. With this strong foundation, we expect meaningful momentum as we move into 2026.

Our Small Business Administration lending division grew from a team of three to a team of seven in 2025, positioning the Bank to expand its commitment to provide access to capital for small businesses not only throughout our footprint, but nationwide, by leveraging the US Small Business Guaranteed Loan Programs. Through ongoing investments in people, training, and gaining efficiencies to scale, we remain focused on providing non-interest income to Oconee State Bank’s bottom line as well as delivering remarkable experiences to those we serve.

At Remarkable Mortgage, 2025 was a year defined by our dedication to our people and mortgage mastery, as evidenced by an impressive 30% loan growth compared to the previous year—a clear reflection of our commitment to excellence. We significantly expanded our residential portfolio program, further strengthening our ability to champion our clients, and welcomed Kellyn Bowden to the Oconee County market. We created truly remarkable experiences that resonated deeply with our clients and set a strong foundation for continued success in 2026 and beyond.

In 2024, Oconee State Bank expanded its legacy with the launch of Trio South Bank, extending our community-focused approach to the vibrant Tri-Cities region of Tennessee. The Trio South name reflects our commitment to serving the lives, businesses, and communities that make the South strong, while building meaningful relationships and creating lasting impact.

In April 2025, Trio South Bank opened its first office in Johnson City, Tennessee, marking an important milestone in our expansion. Establishing a physical presence in the market has allowed our team to begin building relationships and serving customers across the region.
As awareness and momentum continue to grow, Trio South Bank is well positioned to make a meaningful difference in the communities we serve while supporting the long-term growth of Oconee State Bank.