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Bank · Watkinsville, GA

Oconee State Bank: SBA lending profile

SBA 7(a) loans, October 2021 to June 30, 2026 · Updated October 15, 2026 · Lender website
87
SBA loans approved
$73.8M
Total approved
$580,000
Median loan
22
States lent in
55%
To startups
#396
National rank by loans

Oconee State Bank approved 87 SBA loans worth $73.8M between October 2021 and June 2026, ranking #396 of 2,283 SBA lenders nationally by loan count. Its median loan was $580,000, and 55% went to startups or businesses under two years old. It lent in 22 states, most often in Georgia, and its most financed industry was finance and insurance.

SBA loans per fiscal year

0102030FY14FY15FY16FY17FY18: 12 loansFY18FY19: 16 loansFY19FY20: 13 loansFY20FY21: 5 loansFY21FY22: 10 loansFY22FY23: 25 loansFY2325FY24: 12 loansFY24FY25: 24 loansFY25FY26 (Oct to Jun): 16 loansFY2616
Fiscal year runs October to September. Fiscal 2026 covers October 2025 to June 2026 only.

Where Oconee State Bank lends

StateLoansApprovedMedian loanRank in state
Georgia30$34.3M$580,450#62
Florida11$7.1M$580,000#136
Nevada7$5.4M$735,800#53
Texas6$2.6M$383,000#239
Tennessee6$3.1M$418,250#72
Colorado3$2.0M$664,400#159
South Carolina3$3.9M$1,249,300#95
North Carolina3$2.9M$758,700#131
Alabama2$1.2M$582,700#114
Indiana2$360K$180,000#143
New Jersey2$1.0M$500,000#138
Louisiana2$2.0M$1,022,800#104
California1$496K$496,500#263
Arizona1$408K$408,000#171
Nebraska1$1.0M$1,029,500#115

Industries Oconee State Bank finances

IndustryLoansShareMedian loan
Finance and insurance25
29%
$783,000
Arts, entertainment and recreation13
15%
$529,300
Professional and technical services13
15%
$310,000
Restaurants and hotels10
11%
$533,500
Retail7
8%
$960,000
Health care and social assistance4
5%
$361,500
Other services (repair, personal care)4
5%
$251,150
Construction2
2%
$2,924,750
Administrative and support services2
2%
$454,450
Education2
2%
$3,785,000
Loan size mix
  • Under $150,0009%
  • $150,000 to $500,00032%
  • $500,000 to $2 million53%
  • $2 million and up6%
Loan programs used
  • Preferred Lender (PLP)90%
  • SBA Express6%
  • Standard 7(a)5%
Data from the U.S. Small Business Administration's public 7(a) and 504 loan records (through June 30, 2026) and FDIC call-report data (quarter ending June 30, 2026). US Lender Metrics is not affiliated with the SBA, FDIC, FFIEC, NCUA or any lender, is not a lender or loan broker, and does not make credit decisions. Information only; not financial, legal or lending advice. © 2026 US Lender Metrics.