Applications / Mortgage Analytics / Lenders / Georgia / Oconee State Bank / Competition
Oconee State Bank
Watkinsville, GA · State non-member bank · FDIC · $734 million assets · 278 loans in 2025
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278
loans originated, 2025
368
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Who Oconee State Bank competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — ATHENS-CLARKE COUNTY, GA, 2025
Oconee State Bank ranks 10th of 316 lenders in Athens-Clarke County, GA, with $37.2M lent: 2.8% of a $1.33B market.
Athens-Clarke County, GA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Oconee State Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 44% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — ATLANTA-SANDY SPRINGS-ALPHARETTA, GA, 2025
Oconee State Bank ranks 286th of 892 lenders in Atlanta-Sandy Springs-Alpharetta, GA, with $17.8M lent: 0.0% of a $52.32B market.
Atlanta-Sandy Springs-Alpharetta, GA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Oconee State Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 30% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — NON-METRO GEORGIA, 2025
Oconee State Bank ranks 137th of 683 lenders in non-metro Georgia, with $12.1M lent: 0.1% of a $8.64B market.
non-metro Georgia is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Oconee State Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 31% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — MACON-BIBB COUNTY, GA, 2025
Oconee State Bank ranks 26th of 328 lenders in Macon-Bibb County, GA, with $9.3M lent: 0.9% of a $1.01B market.
Macon-Bibb County, GA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Oconee State Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 39% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — WARNER ROBINS, GA, 2025
Oconee State Bank ranks 72nd of 299 lenders in Warner Robins, GA, with $2.8M lent: 0.2% of a $1.37B market.
Warner Robins, GA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Oconee State Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 48% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — KINGSPORT-BRISTOL, TN-VA, 2025
Oconee State Bank ranks 134th of 324 lenders in Kingsport-Bristol, TN-VA, with $1.0M lent: 0.1% of a $1.54B market.
Kingsport-Bristol, TN-VA is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Oconee State Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 47% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 7 — RALEIGH-CARY, NC, 2025
Oconee State Bank ranks 440th of 638 lenders in Raleigh-Cary, NC, with $990K lent: 0.0% of a $15.84B market.
Raleigh-Cary, NC is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Oconee State Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 36% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 8 — JOHNSON CITY, TN, 2025
Oconee State Bank ranks 109th of 287 lenders in Johnson City, TN, with $1.0M lent: 0.1% of a $1.25B market.
Johnson City, TN is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Oconee State Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 47% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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