As our communities continue to feel the increased impact of COVID-19, the safety, health, and well-being of our team, our customers, and the communities we serve are the utmost priority to Oconee State Bank. Out of an abundance of caution, our lobbies will remain closed, while drive-thru and remote services continue to be accessible.
Click here to learn more about our response.

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Low closing costs. Fast approvals.
The best loan solution for your business.

Low closing costs. Fast approvals.
The best loan solution for your business.

Your dream home is closer than you think.

See how we can help finance the home you've always wanted.

Click here to learn more

OSB Kids Club

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Money Market Account

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60 Month CD

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OSB Cares

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We're a community bank that's

built to serve our community.

We're proud to have locations in Watkinsville,

Athens, Bogart and Lawrenceville.

Local banks are vital parts of communities.

See how banking local impacts your community.

Mobile Banking

Banking made easy. See how our mobile banking is right for you. Click here

Payroll Services

Payroll solutions to help you focus on what matters to you. Click here

Business Savings

Find the perfect fit for your business's savings needs. Click here

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