2024
Annual Report
Annual Meeting
Monday, June 2, 2025 | 5 pm
Oconee State Bank
Corporate Headquarters
41 N. Main Street
Watkinsville, Georgia 30677
Investor Relations
James R. McLemore
Executive Vice President &
Chief Financial Officer
Oconee Financial Corporation
PO Box 205
Watkinsville, Georgia 30677
Transfer Agent
Broadridge Corporate Issuer Solutions
PO Box 1342
Brentwood, NY 11717
1-877-830-4936
Oconee Financial Corporation
41 N. Main Street
PO Box 205
Watkinsville, Georgia 30677
Telephone: (706) 769-6611
Facsimile: (706) 583-3878
www.oconeestatebank.com
Independent Registered Public Accounting Firm
Mauldin & Jenkins, LLC, Certified Public Accountants
200 Galleria Parkway, S.E.
Suite 1700
Atlanta, Georgia 30339
President’s Letter
Dear Shareholders,
I am pleased to present our annual report for 2024, a year in which Oconee State Bank continued to exhibit exceptional strength and performance, while expanding our presence and impact.
Throughout the year, our commitment to our shareholders remained unwavering. Our team worked tirelessly every day, focusing on increasing shareholder value and delivering outstanding results. I am proud to announce that we surpassed our budgeted net income target, which enabled us to enhance the dividends paid to shareholders.
A significant highlight of 2024 was our strategic expansion into Johnson City, Tennessee, under the leadership of Mike Hill. We proudly introduced Trio South Bank as our brand in this market, reinforcing our commitment to growth and innovation. Additionally, we began our expansion into Southeast Georgia and Statesboro under the leadership of our Regional President, Michael Thigpen. These expansions reflect our vision to extend our reach and impact new communities with our exceptional banking services.
We continue to focus on creating highly engaged teams by developing our leaders to love, equip, affirm, and further develop our team members to create a culture of connection. This dedication to leadership excellence ensures we maintain a strong, dynamic, and innovative workforce that drives our success.
Remarkable Mortgage powered by Oconee State Bank had a strong year, continuing to provide excellent service and solutions under the leadership of Charlie Fleming. Our commitment to supporting our customers through this important milestone remains strong and our results this year demonstrate the strength and expertise of our mortgage team in achieving that goal.
Additionally, our Small Business Administration (SBA) division, led by Tareasa Harrell, had an outstanding year, further solidifying our position as a trusted partner for small businesses. The team’s ability to provide expert guidance and solutions contributed significantly to our overall success.
Amidst a challenging interest rate environment, our team once again demonstrated exceptional skill in managing funding costs, underscoring our ability to navigate challenges with resilience and agility.
In 2024, our operational teams worked diligently to enhance our electronic banking and core operating systems to create a more engaging and innovative experience for our customers, to provide a foundation for our continued growth, while assisting our front-line teams to extend remarkable service to those we serve. These teams play an integral role in our ability to live out our vision and mission.
I am immensely proud of the passion and dedication of our entire team at Oconee State Bank. We firmly believe that we have one of the most talented teams in the industry and their commitment to excellence is key to our success.
Looking ahead, we are excited about 2025 and the future of Oconee Financial Corporation. We have a bold strategy that prioritizes safety and soundness, profitable growth, and a culture of connection among all stakeholders.
As we move into the future, we remain steadfast in our vision to be essential to the lives, businesses, and communities we serve. Our mission to create remarkable experiences that significantly mark the lives of others guides our every decision, while our core values of Stewardship, Unity, Collaboration, Community, Excellence, Service, and Solutions continue to shape our actions.
On behalf of our entire team, I extend my heartfelt gratitude for your investment, trust, and continued support. Each day, we strive to uphold our goal to become the South’s most remarkable community bank.
Neil Stevens
President and CEO
Financials
”2024 was a solid year of financial performance for Oconee State Bank and Oconee Financial Corporation. Net income, excluding the impact of 2023’s acquisition of Elberton Federal, grew 8%. Loans grew 18%, while deposits grew 6%.
Jim McLemoreChief Financial Officer
2024 Results: Earnings, Dividends, Book Value, and Stock Value
2024 was a solid year of financial performance for Oconee State Bank and Oconee Financial Corporation. Net income, excluding the impact of 2023’s acquisition of Elberton Federal, grew by $364,000 or 8%. The increase in net income was primarily driven by higher net interest income of $2.5 million, as increases in asset yields exceeded increases in funding costs. We had very good years in both our Mortgage and SBA businesses as their revenues grew 42% and 41%, respectively. Noninterest expense grew 10% due to several factors, including higher commission expense due to strong Mortgage and SBA production, a full year of expenses for 2023 expansions into the Macon and Elberton markets, as well as the costs of expansions into the Southeast Georgia and Johnson City,TN markets.
Oconee Financial Corporation paid a dividend of $0.95 per share in April 2024, which represents an increase of 12% over 2023’s dividend of $0.85 per share. Our book value per share increased from $40.44 to $46.09, an increase of 14%. This is primarily due to the retention of net earnings and the reduction in unrealized losses in our bond portfolio in 2023 of $1.3 million. The Board of Directors recently voted to increase the 2025 annual dividend to $1.05 per share, an increase of 10.5% over 2024’s dividend. Oconee Financial Corporation’s stock, which trades on the OTCQX exchange under the ticker symbol “OSBK,” increased from $31.33 per share at year-end 2023 to $39.51 per share at year-end 2024. At the time of this writing, the share price of OSBK stock was $39.25 per share.
Balance Sheet
The Bank ended the year at $640 million in assets. This represented an increase of $51.0 million, or 8.7% versus year-end 2023. The increase in assets is largely due to increases in deposits of $33.8 million, or 6.3% and increases in Federal Home Loan Bank Advances of $9 million. Our deposit growth was strong in relation to what was experienced in the banking industry overall, as the banking industry deposits grew 2.1%. We continue to heavily focus on expanding the deposit relationship with our existing and prospective customers with the objective of making Oconee State Bank their primary financial institution.
Lending and Credit Quality
Total loans increased $64.2 million, or 18.5% over year end 2023. We saw good loan growth across our legacy markets but also saw loan growth of over $14 million from our new markets in Southeast Georgia and Johnson City, Tennessee. Past dues remain low and were only 1.52% of loan balances at 12/31/24. For 2024, we had loan recoveries of $2,000 and charge offs of $81,000, resulting in net charge-offs of $79,000.
Financial Highlights
(Dollars in thousands, except per share data)
2024
2023
Financial Condition at December 31,
Total assets
$ 640,032
$ 589,058
Investment securities
139,228
159,634
Loans (net of unearned income)
409,602
346,988
Allowance for loan losses
(5,424)
(4,600)
Total deposits
565,741
531,966
Subordinated notes
9,366
9,342
Shareholders’ equity
48,244
42,311
Results of Operations for the Year Ending December 31,
Interest income
$ 33,015
$ 26,450
Interest expense
9,880
5,838
Net interest income
23,135
20,612
Provision for loan losses
912
225
Net interest income after provision for loan losses
22,223
20,387
Noninterest income
5,027
6,074
Noninterest expenses
21,160
19,207
Income before income taxes
6,090
7,254
Income tax expense
1,161
1,328
Net income
$ 4,929
$ 5,926
Per Share Data
Earnings per share
4.71
6.17
Cash dividends paid
0.95
0.85
Book value per common share
46.09
40.44
Weighted average shares outstanding
1,045,973
959,767
Performance Ratios
Return on average assets
0.81%
1.14%
Return on average equity
10.88%
18.39%
Net interest margin
3.96%
3.74%
Efficiency ratio
75.14%
71.97%
Net Income ($Millions)
Total Loans ($Millions)
Book Value Per Share
Total Assets ($Millions)
Total Deposits ($Millions)
Asset Quality Highlights
The Bank continues to place its highest emphasis on growing the Owner-Occupied Commercial Real Estate portion of our loan portfolio, which is demonstrated by it being the largest segment of the loan portfolio at 35%. This strategy is based upon these loans representing (1) a significant influence on garnering the entire banking relationship of the business and business owners and (2) one of the safest categories of loans in the marketplace. Additionally, the Bank continues to maintain a well-balanced loan portfolio mix with 24% of the portfolio in a diversified mix of Non-Owner Occupied Commercial Real Estate, and 24% of the portfolio in various types of 1 to 4 Family Housing loans. The largest growth in the loan portfolio in 2024 occurred in Multifamily property, Owner-Occupied Commercial property, and 1-4 Family property, which grew by 43%, 32%, and 24% respectively.
12/31/2024 Loan Portfolio Composition
Historical Charts
In 2024 the Bank reflected strong loan growth of $64.2 million (18.5%). This organic growth was across several loan categories led by Owner-Occupied Commercial Real Estate Growth ($34.9 million), NonOwner-Occupied Commercial Real Estate Growth ($14.2 million), and Multifamily Real Estate Growth ($6.9 million).
Over the last five years the Bank has grown the loan portfolio by 56%, excluding. Additionally, during these five years (excluding Elberton) the Bank’s focus on growing small business relationships by targeting Owner-Occupied Commercial Real Estate loans has resulted in that portion of the loan portfolio accounting for 34% of the growth, growing by 48%. Similarly, Non-Owner Occupied Commercial Real Estate has accounted for 27% of the growth, and 1 to 4 Family Housing loans have accounted for 28% of the growth.
5 Year Loan Growth Portfolio
Percentage of Total Growth by Segment
2018 – 2023
Historical Loan Portfolio Totals and Composition (000's)
(2020 & 2021 excluding Small Business Administration Paycheck Protection Program outstandings of $55,237 and $3,736, respectively)
Loan Loss Reserve, Loan Loss Provision, & Net Charge Offs (000's)
Digital Highlights
Business Services
269,213,491
Remote Deposit Capture Dollars Processed
114,325
Remote Deposit Capture Items Processed
70,881
Cost Savings Created by Remote Deposit Capture
164,737,557
Automated Clearing House Origination Dollars Processed
31,727
Revenue Generated by Business Services
179,567
Revenue Generated by Service Charges on Commercial Checking
eBanking Services
54,389,990
Mobile Deposit Dollars Processed
29,096
Mobile Deposit Items Processed
15,778
Cost Savings Created by Mobile Deposit
38,833,004
Bill Pay Dollars Processed
51,041
Total # of Bill Payments Processed
Cyber Security & IT Highlights
Our Information Technology Division remains at the forefront of safeguarding our network systems and protecting our customers in an ever-evolving cyber landscape. As cyber threats become more sophisticated, this team is dedicated to strengthening security measures, preventing data breaches, and ensuring the safety of personal and financial information. Beyond technology, education and awareness are critical in mitigating cyber risks. The following insights highlight how we can all work together—customers and financial institutions alike—to build a stronger defense against cybercrime.
Andy Hancock
Technology Specialist
Christian Watkins
Technology Specialist
Jamie McFalls
Vice President, Information Technology
John Davis
Executive Vice President, Chief Innovation and Technology Officer
2024 Stats
Phishing Emails Sent
- Approximately 1.2% of all emails sent were malicious, translating to around 3.4 billion phishing emails daily.
Cyber-Attacks Targeting Small Businesses
- 43% of cyber-attacks were directed at small and medium-sized businesses (SMBs).
Global Cybercrime Costs
- The global cost of cybercrime reached approximately $9.5 trillion in 2024, reflecting a 15% annual increase.
Social Media Compromises
- A substantial percentage of social media accounts were compromised, with 85% of Instagram accounts and 25% of Facebook accounts affected, emphasizing the need for robust security measures on these platforms.
Breaches Attributed to Human Error
- Approximately 74% of all breaches were due in part to human error, including factors like privilege misuse, use of stolen credentials, or social engineering.
Tip
When on a public network, always use a VPN (Virtual Private Network) to protect your data from threats or even if you are browsing the web. There are many options available for purchase.
We are thankful for our talented Information Technology Team, not only for their work in the cyber space, but also for all they do to ensure our team has the technology, at their fingertips, to serve our customers with excellence.
Retail
Your checking account at Oconee State Bank just got even better!
We’re excited to share that the Essential and Essential Plus Checking Accounts, which already offers personal protection and savings on everyday purchases, was upgraded with even more benefits to help you save money and give you peace of mind.
The following benefits were added to the Essential and Essential Plus Checking Accounts:
- Cell phone protection has increased to $800 per claim ($1,600 per year)
- Buyer’s Protection and Extended Warranty protects purchases made with your Essential Checking Account
- BaZing Fuel lets you save money at the gas pump.
- Billshark bill negotiation and subscription cancelation service
- Identity and credit monitoring with credit report and score
- Pet insurance at reduced rates
- Financial wellness, powered by Gentreo
- Free federal tax filing
And, you still have access to all the great money-saving discounts and other protection benefits, such as roadside assistance, local discounts, and health savings benefits, powered by BaZing!
If you haven’t already, download the Remarkable Perks+ app today to take advantage of all of the benefits offered on your account!
Market Teams
Oconee
“Rooted in 64 years of history, the Oconee Market Team entered 2024 with a renewed commitment to excellence and service. With Oconee County as our home since 1960, our leadership team has continued to build and strengthen relationships with local organizations, creating lasting partnerships that fuel both community progress and our ability to serve.
In 2024, our leadership’s impact was felt in meaningful ways—deepening connections with local businesses, supporting nonprofit initiatives, and fostering collaboration that drives real change. These relationships are more than just touchpoints; they are the foundation for everything we do, allowing us to expand our reach and elevate the communities we serve.
As we step into 2025, we are focused on building upon this momentum right here at home in Oconee County—leveraging our strong foundation to create new opportunities for growth, deepen our community impact, and strengthen the relationships that define us. With a clear vision and an unwavering commitment to those we serve, we are ready to make 2025 a year of even greater progress and purpose.”
Hal Jackson
Senior Vice President, Community President/Oconee
Athens/Elberton
“2024 was a solid year of growth, especially in loans, with $23 million in new loan production—an achievement that reflects the hard work and dedication of our team. As we step into 2025, the Athens team is starting strong with over $150 million in assets, setting the stage for an outstanding year. With a continued focus on growing loans and deposits—specifically strengthening core deposits—we’re excited about the opportunities ahead and look forward to making 2025 our best year yet!”
Phillip Edwards
Senior Vice Presidents, Community Presidents/Athens
Gwinnett
“In 2024, the Gwinnett Team demonstrated unwavering dedication to OSB’s mission, vision, and values. While not every goal was fully realized, the progress we made and the resilience we showed highlight the strength of our team and our commitment to excellence. A major highlight of the year was the recognition of two outstanding team members for their contributions—an achievement made possible by the collaboration and support of the entire team. We also experienced remarkable loan growth and made significant strides in expanding our deposit base, reinforcing our impact as a trusted financial partner in the community. Being voted Best of Gwinnett was another proud moment, a reflection of the passion and dedication we bring to every interaction and relationship. As we step into 2025, we are more focused than ever on achieving our goals and continuing to create raving fans. By working together and staying committed to delivering exceptional service, we are confident this will be another year of meaningful growth and success. Let’s build on our momentum and make OSB one of Georgia’s most remarkable banks!”
Joe Godfrey
Senior Vice President, Community President/Gwinnett
Macon
“Oconee State Bank in Macon may still be the new bank on the corner, but our dedicated team members continue to show up—serving customers with excellence, forging meaningful relationships, and deepening our presence in Macon and beyond. The mortgage team, in particular, has been a shining example of success, building strong referral networks and helping more families achieve homeownership. Additionally, our reach has grown beyond the Macon metro, as we’ve expanded our customer base into surrounding counties. The passion and resilience of our team inspire confidence in the future. We look ahead to 2025 with excitement, knowing that our commitment to service and community will drive us forward.”
Michael Thigpen
Regional President
Statesboro
“Oconee State Bank has made a bold entrance into the Statesboro market, proving that our impact begins long before a physical location. In 2024, we exceeded loan goals by a significant margin, and our momentum is only building as we enter 2025 with strong pipelines and growing brand recognition. Construction on our new location is set to begin in late Q1, with an estimated completion in July—bringing us one step closer to an even stronger presence in the region. The excitement around Oconee State Bank in the Southeast is palpable, and our engagement in the community is already making a difference. The foundation has been laid, and the best is yet to come.”
Michael Thigpen
Regional President
Johnson City, TN
“Trio South Bank officially entered the Johnson City, Tennessee market in August with the hiring of its inaugural team. By September, the ideal office space was secured, and renovations were completed in December, setting the stage for a strong launch. Anticipation continues to build across the region as the team prepares for the grand opening on April 1, 2025. With a commitment to community-focused banking, Trio South Bank is poised to make a remarkable impact in Johnson City.”
John Hunter
Senior Vice President, Community President/Johnson City, TN
Small Business Administration
“In 2024, our Small Business Administration lending division continued to thrive, strengthening our ability to support small businesses while driving non-interest income. Through ongoing investments in people, training, and technology, we remained well-positioned to mitigate risk and deliver lasting value.”
Tareasa Harrell
Senior Vice President, Small Business Administration Director
Remarkable Mortgage
Powered by Oconee State Bank
“At Remarkable Mortgage, 2024 was a year defined by our dedication to serving our clients and refining our expertise, as evidenced by a 50% increase in closed volume compared to the previous year—a clear reflection of our steadfast commitment to excellence. The launch of Polly, our innovative Product & Pricing platform, transformed the origination process, enhancing efficiency and delivering a more seamless, client-focused experience. We also significantly expanded our bank portfolio volume, reinforcing our leadership within the mortgage industry. Grounded in empathy, expertise, and integrity, we consistently honored our commitments, creating impactful experiences that resonated deeply with our clients and set a strong foundation for continued success in 2025 and beyond.”
Charlie Fleming
President, Loan Officer
Trio South Bank
“In 2024, Oconee State Bank expanded its legacy with the launch of Trio South Bank, bringing community-focused banking to the vibrant Tri-City region of Tennessee. With a name that reflects our commitment to serving lives, businesses, and communities throughout the South, Trio South Bank was established to create meaningful connections and drive lasting impact. Throughout the year, key milestones were achieved, including hiring a dedicated team, securing and renovating our inaugural office space, and preparing for a highly anticipated grand opening in early 2025. As excitement builds in the region, Trio South Bank is poised to make a remarkable difference in the communities we serve.”
Mike Hill
President, Trio South Bank
Executive Leadership
Cristi Donahue
Executive Vice President, Chief Administrative Officer
Jim McLemore
Executive Vice President, Chief Financial Officer
John Davis
Executive Vice President, Chief Innovation and Technology Officer
Neil Stevens
President, Chief Executive Officer
Philip Bernardi
Executive Vice President, Chief Banking Officer
Selena Ruth
Executive Vice President Chief Human Resources Officer
Tom Wilson
Executive Vice President, Chief Credit Officer
Mike Hill
President, Trio South Bank – A Division of Oconee State Bank
Community Advisory Committees
Oconee
David Branch
CEO/Founder, Branch Environmental
Delena Brockmann
Executive Director of Operations, Piedmont Athens Regional
Lenn Chandler
Retired Vice President, Georgia Power
Kevin Daniel
Bethel Baptist Chruch
Dan Elder
President, Oconee Well Drillers
Dutch Guest
Vice President, LAD Truck Lines, Inc.
Donald Hansford
Attorney at Law, Donald W. Hansford, PC
Meredith Marlowe
Hospice Social Worker
Elmer Stancil
Senior Managing Director, Dentons
Gwinnett
Glenn Aldridge
Shareholder, Aldridge & Associates
Marlon Allen
Owner, RAMP Sportswear LLC
Laura Balance
Hudgens Center For Art and Learning
Matt Bryant
Retired Banker
Greg Cantrell
Broker/Owner, Living Stone Properties
Rob Coatsworth
CEO, CTR Partners, Inc.
Jamie Hamilton
Special Needs, Schools of Gwinnett Inc
Matt Hyatt
President & CEO, Rocket IT
Lee Merritt
Partner, Merritt Properties, Inc.
Macon
Justin Andrews
Director of Special Projects & Outreach, Otis Redding Foundation
Katie Berg
Real Estate Attorney, Mayo Hill Law
Matt Cathey
Attorney at Law, Partner at Stone & Baxter LLP
Andrea Cooke
Director of Development, The Southern Center for Choice Theory and Executive Director of C-QUL
Stephen Daugherty
CEO, Piedmont Hospital Macon
Athens CAC
Chad Brown
Brown and McCook LLC
Lindsay Lucas
Phil Hughes Automotive Group
Mack McClung
Arch Partners Insurance and Wealth Management
Michael Mock
SerClean
Carl Parks
Piedmont Athens Regional Foundation
Blake Underwood
Athens Real Estate Group LLC
Board of Directors
G. Robert Bishop
Joined in 1991
Retired, Georgia Department of Natural Resources. Bob has served as a director since 1991. He obtained both his Bachelor’s degree and Master’s degree in Agricultural Engineering, from the University of Georgia, in 1969 and 1972, respectively. His business experience, together with his historical knowledge of the corporation, makes Bob an integral member of the Board of Directors.
Brian J. Brodrick
Joined in 2016
Partner & Board Member of Jackson Spalding. Brian has more than 26 years of strategic communications experience. He has worked for the past 26 years at Jackson Spalding, Georgia’s leading independent marketing communications agency. Brian is also the Mayor of the City of Watkinsville, Georgia.
Albert Hale, SR.
Joined in 2008
Board Vice- Chair, retired local dairy and poultry farmer, owner of Hale’s Dairy. Albert brings a balanced perspective to the Board of Directors. His demonstrated business experience, leadership skills, and management skills make him an excellent addition to our team.
Virginia Wells McGeary
Joined in 1990
Board Chair, President & CEO, Wells & Co. Realtors, Inc. Virginia graduated from UGA’s Terry College of Business in 1982 with a degree in Banking and Finance. She has been in the real estate business for 47 years.
Jonathan R. Murrow, MD
Joined in 2016
Cardiologist, Piedmont Heart Institute in Athens and Professor of Medicine at the Medical College of Georgia. Jonathan received his undergraduate degree from Harvard College. He earned his medical degree from Emory University School of Medicine in 2001. He completed his internal medicine residency at Johns Hopkins Hospital in 2004 and cardiovascular fellowship training at Hopkins and Emory.
Robert Paul
Joined in 2023
Vice President & General Manager at Eagle Granite Co., Inc. Bob has a degree in English from Furman University. He grew up in Elberton. He provides insight ensuring exceptional customer experiences and connection throughout Elberton.
Tony L. Powell
Joined in 2018
President, Powell Home Builders, Inc. Tony has a degree in Landscape Architecture from the University of Georgia and graduated high school from Oconee County High School. He is President and founder of Powell Home Builders, Inc., a custom home building company.
Toby Smith, CPA/CVA
Joined in 2017
Director of Financial Reporting & Assurance Services, Williams and Guined, P.C. in Athens. Toby received his Bachelor of Business Administration from the University of Georgia in 1998 and is a member of the Georgia Society of CPA’s, the AICPA, and the National Association of Certified Valuation Analysts (NACVA). Toby is an alumnus of L.E.A.D. Athens and is active in the Athens area community.
Holly H. Stephenson
Joined in 2020
General Partner/Treasurer of Hardigree Properties & employed by Oconee County Board of Commissioners as the County Clerk. Holly has a long history with Oconee State Bank and as a 6th generation Oconee County native, and life-long resident, she has strong ties in Oconee County. She is a graduate of UGA’s Terry College of Business, where she earned a BBA in Risk Management. She proudly serves in many capacities in the local community.
Neil Stevens
Joined in 2016
President & Chief Executive Officer, Oconee State Bank. Neil brings 33 years of broad-based banking experience to the team. Over the years, his main focus has been to lead financial institutions to levels of accelerated performance by placing a high emphasis on building a remarkable culture within the organization.
Laura H. Whitaker
Joined in 2020
Chief Executive Officer, Extra Special People, Inc. Laura obtained both her Bachelor’s degree in Collaborative Special Education and her Master’s degree in Adapted Curriculum Classic Autism at the University of Georgia. She is an alumna of L.E.A.D Athens and Leadership Georgia and has served as a Board Member for United Way, while also serving as a member of North Oconee Rotary, Oconee Civitan, and the Junior League of Athens.
Junior Board of Directors
Oconee State Bank’s Junior Board of Directors is stronger than ever, with a record number of student applications this year! Composed of outstanding high school students from across Oconee County, these Junior Directors have been nominated by teachers and selected by their schools for their leadership, academic excellence, and community involvement. Their achievements are truly remarkable, and they are already making a meaningful impact in their schools and beyond.
At Oconee State Bank, we are honored to invest in the next generation of leaders through financial education and mentorship. As we look to the future, our vision is to expand the Junior Board program across all the markets we serve, ensuring even more students have access to this transformative experience.
Congratulations to this year’s Junior Directors—we can’t wait to see the impact you’ll make in 2025 and beyond!
Oconee County High School
Christopher Ngo
Charlie Ulmer
Kailyn Fallows
Aaron Brodrick
Valeria Robledo-Ortiz
Rylan Mixon
Joel Juarez-Farias
North Oconee High School
Marley Woodall
Will Chafin
Dohyeon Kim
William Patterson
Westminster Christian Academy
Emery Bateman
Camille Guthrie
Prince Avenue
Aidan Campbell
JR Foster
Core Values
Vision
What are we trying to accomplish?
To be essential to the lives, businesses, and communities we serve.
Mission
How will we accomplish our vision?
Create remarkable experiences that significantly mark the lives of others.
Our Values
What is most important to us as we strive to accomplish our vision?
We value… Success
S | Stewardship
the privilege of wisely shepherding the resources entrusted to us.
U | Unity
Believing the best in, Expecting the best from, Seeking the best for, and Telling the best about each other.
C | Collaboration
A culture of teamwork.
C | Community
Investing in the communities we serve through active engagement and local decision-making.
E | Excellance
Exceptional performance with a long-term perspective.
S | Service
Consistently creating remarkable experiences for our customers.
S | Solutions
A culture of teamwork.
The Remarkable Foundation
Since 1960, Oconee State Bank has been grateful to partner with countless local charities, giving back to the same organizations who are making an impact in the communities we serve. In 2020, in recognition of our 60th Anniversary commemorative celebrations, we established our inaugural giving arm, coined The Remarkable Foundation!
The mission of The Remarkable Foundation is to provide financial assistance to nonprofit organizations, for the implementation of services and programs that enhance and mark the quality of life, for all people in the communities served by Oconee State Bank.
Customers, community members, local organizations, and beyond have an opportunity to link arms and partner with the established and reputable giving history of OSB, through the foundation, thus increasing our giving impact in every community we serve.
If you would like to partner with Oconee State Bank through a donation to The Remarkable Foundation visit our website below.
62
Employee Engagement
Our team is dedicated to giving back to our communities.
70
Organizations Received Funds
We had the incredible opportunity to serve 36 non-profit organizations.
17,040
Contributions
Given by OSB Employees, Board Members, and Community Advisory Members.
82,425
Grant Money Given
Meet the Employee Board
Andy Hancock
Technology Specialist
Brooke Waters
Vice President, Marketing and Business Development
Cayce Reese
Executive Assistant
Dani Williams
Vice President, Loan Administration
Deesha Hagwood
Vice President, Marketing & Executive Director of The Remarkable Foundation
Kevin Jones
Business Development Officer
Monica Wright
Vice President, Small Business Administration Operations Manager
Have You Heard?
Don’t Miss Our Remarkable Podcast!
In 2024, the Make Your Remarkable Podcast by Oconee State Bank continued to connect and inspire listeners through powerful conversations on leadership, personal growth, and community impact. Building on the success of its launch, the podcast remains a platform for sharing the journeys of local influencers, uncovering the lessons behind their achievements, and exploring how they are leaving a lasting mark. As we embark on another remarkable year of episodes, we invite you to tune in and reflect on this question: How are you making your remarkable?
Subscribe on any streaming platform for new episodes and follow us on social media at @oconeestatebank.
Make Your Remarkable Trailer
P. O. Box 205
Watkinsville, GA 30677
Phone: 706.769.6611
Fax: 706.583.3844
info@oconeestatebank.com
www.oconeestatebank.com
