Oconee State Bank
Headquartered in WATKINSVILLE, GA. Analysis based on 91 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $82.0M.
Total 7(a) loans
91
Total approved
$82.0M
Average loan
$901K
States funded in
19
Charge-off rate
0.00%
FY2020–FY2023 cohort
Paid-in-full rate
26.42%
Average rate
8.98%
Average term
149 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 524210 | Insurance Agencies and Brokerages | 25 |
| 713940 | Fitness and Recreational Sports Centers | 8 |
| 722513 | Limited-Service Restaurants | 6 |
| 541211 | Offices of Certified Public Accountants | 4 |
| 713990 | All Other Amusement and Recreation Industries | 4 |
| 623312 | Homes for the Elderly | 2 |
| 624410 | Child Day Care Services | 2 |
| 621310 | Offices of Chiropractors | 2 |
| 812910 | Pet Care (except Veterinary) Services | 2 |
| 492110 | Couriers | 2 |
Top 10 states
| State | Loans |
|---|---|
| GA | 43 |
| FL | 9 |
| NV | 7 |
| TX | 5 |
| SC | 4 |
| TN | 4 |
| NC | 3 |
| CO | 3 |
| LA | 2 |
| AL | 2 |
Top franchise brands financed
24 franchise loans across 18 distinct brands.
| Franchise | Loans |
|---|---|
| Burn Boot Camp Fitness | 3 |
| Subway | 3 |
| Brain Balance | 2 |
| D1T raining | 2 |
| Crawlspace Medic | 1 |
| NuSpine | 1 |
| Alumni Cookie Dough | 1 |
| The Back Nine | 1 |
| The UPS Store (f/k/a Mail Box | 1 |
| Scoops | 1 |
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Data source & methodology
All figures computed from the SBA Office of Capital Access FOIA dataset (7(a) loans, FY2020–present, as of 2025-12-31). Charge-off and paid-in-full rates are calculated on the FY2020–FY2023 cohort only, so loans have had time to mature. Charge-off rank covers lenders with ≥500 mature loans.