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The Lender Report built this page from public records. Oconee State Bank has not reviewed it. Every lender's page starts this way, and it says nothing about Oconee State Bank itself. Each figure shows its source and date. Work at Oconee State Bank? You can claim this page for free.
SBA 7(a) record
Oconee State Bank: SBA 7(a) loans made
Oconee State Bank, a bank based in Watkinsville, GA, made 57 SBA 7(a) loans in the 36 months ending September 30, 2026, $52.5M in all, net of cancelled approvals. The typical loan was about $560K, and 25 were in the last 12 months. Most were in Georgia.
- Evidence
- SBA 7(a) loans in the 36 months ending September 30, 2026, SBA
- Data as of
- SBA, September 30, 2026
- Page last changed
- November 9, 2026
- Loans, 36 months
- 57
- SBA FOIA,
- Net of cancelled approvals
- Dollars
- $52.5M
- SBA FOIA,
- Rounded amounts
- Typical loan
- $560K
- SBA FOIA,
- Largest loan
- $5M
- SBA FOIA,
- Rounded to 2 significant figures
- Last 12 months
- 25
- SBA FOIA,
Cite this
Source: The Lender Report, Oconee State Bank: SBA 7(a) loans made, https://lender.report/lender/oconee-state-bank-ga/sba-7a/, data as of September 30, 2026.
The loans, newest first
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Sep 2026 | Georgia | SBA 7(a), Manufacturing | $2.5M | 8.5% | 10 yr | SBA FOIA | |
| Sep 2026 | Tennessee | SBA 7(a), Offices of Certified Public Accountants | $1.6M | 8.75% | 10 yr | SBA FOIA | |
| Sep 2026 | Georgia | SBA 7(a), Tax Preparation Services | $1.5M | 8.5% | 10 yr | SBA FOIA | |
| Sep 2026 | Texas | SBA 7(a), Fitness and Recreational Sports Centers | $440K | 9% | 10 yr | SBA FOIA | |
| Sep 2026 | Pennsylvania | SBA 7(a), All Other Amusement and Recreation Industries | $410K | 8.75% | 10 yr | SBA FOIA | |
| Aug 2026 | Georgia | SBA 7(a), Funeral Homes and Funeral Services | $1.6M | 8.25% | 25 yr | SBA FOIA | |
| Aug 2026 | Georgia | SBA 7(a), Couriers and Express Delivery Services | $520K | 8.5% | 10 yr | SBA FOIA | |
| Jul 2026 | Illinois | SBA 7(a), Other Accounting Services | $680K | 8.5% | 10 yr | SBA FOIA | |
| Jul 2026 | Georgia | SBA 7(a), Fitness and Recreational Sports Centers | $440K | 9.5% | 10 yr | SBA FOIA | |
| Jul 2026 | Illinois | SBA 7(a), Other Accounting Services | $65K | 9% | 10 yr | SBA FOIA | |
| Jun 2026 | Tennessee | SBA 7(a), Full-Service Restaurants | $480K | 9% | 10 yr | SBA FOIA | |
| May 2026 | Georgia | SBA 7(a), Food Service Contractors | $150K | 9% | 10 yr | SBA FOIA | |
| Apr 2026 | Tennessee | SBA 7(a), Other Accounting Services | $440K | 8.75% | 10 yr | SBA FOIA | |
| Apr 2026 | Tennessee | SBA 7(a), Offices of Certified Public Accountants | $50K | 9.25% | 10 yr | SBA FOIA | |
| Mar 2026 | Florida | SBA 7(a), All Other Amusement and Recreation Industries | $580K | 8.75% | 10 yr | SBA FOIA | |
| Jan 2026 | New Jersey | SBA 7(a), Offices of Certified Public Accountants | $920K | 8.5% | 10 yr | SBA FOIA | |
| Jan 2026 | Florida | SBA 7(a), All Other Professional, Scientific, and Technical Services | $580K | 8.5% | 10 yr | SBA FOIA | |
| Jan 2026 | Michigan | SBA 7(a), All Other Amusement and Recreation Industries | $560K | 8.75% | 10 yr | SBA FOIA | |
| Jan 2026 | North Carolina | SBA 7(a), All Other Amusement and Recreation Industries | $460K | 8.75% | 10 yr | SBA FOIA | |
| Jan 2026 | Texas | SBA 7(a), All Other Amusement and Recreation Industries | $420K | 8.75% | 10 yr | SBA FOIA | |
| Jan 2026 | Indiana | SBA 7(a), Offices of Certified Public Accountants | $310K | 8.75% | 10 yr | SBA FOIA | |
| Jan 2026 | New Jersey | SBA 7(a), Offices of Certified Public Accountants | $75K | 9% | 10 yr | SBA FOIA | |
| Jan 2026 | Florida | SBA 7(a), All Other Professional, Scientific, and Technical Services | $60K | 9% | 10 yr | SBA FOIA | |
| Jan 2026 | Indiana | SBA 7(a), Offices of Certified Public Accountants | $50K | 9.5% | 10 yr | SBA FOIA | |
| Nov 2025 | Tennessee | SBA 7(a), Other Building Finishing Contractors | $1.4M | 8.75% | 25 yr | SBA FOIA | |
| 57 SBA 7(a) loans since October 2023, net of cancelled | $52.5M | SBA FOIA | |||||
A blank means the source did not report it.
| State | Loans | Dollars |
|---|---|---|
| Georgia | 24 | $33.3M |
| Florida | 9 | $5.96M |
| Tennessee | 6 | $4.27M |
| Texas | 4 | $2.32M |
| Illinois | 2 | $745K |
| Indiana | 2 | $360K |
| Nevada | 2 | $990K |
| New Jersey | 2 | $995K |
| Michigan | 1 | $560K |
| Mississippi | 1 | $670K |
| New York | 1 | $500K |
| North Carolina | 1 | $460K |
SBA loans are on record by state only.
| Loan size | Loans | Dollars |
|---|---|---|
| Under $150K | 5 | $300K |
| $150K to $350K | 9 | $2.17M |
| $350K to $1M | 30 | $17.3M |
| $1M to $2.5M | 7 | $10.2M |
| $2.5M or more | 6 | $22.5M |
| Quarter | Loans | Dollars |
|---|---|---|
| 2023 Q4 | 1 | $660K |
| 2024 Q1 | 2 | $1.11M |
| 2024 Q2 | 6 | $6.81M |
| 2024 Q3 | 2 | $520K |
| 2024 Q4 | 6 | $11.3M |
| 2025 Q1 | 4 | $3.67M |
| 2025 Q2 | 4 | $8.62M |
| 2025 Q3 | 7 | $3.45M |
| 2025 Q4 | 1 | $1.40M |
| 2026 Q1 | 10 | $4.01M |
| 2026 Q2 | 4 | $1.12M |
| 2026 Q3 | 10 | $9.76M |
Calendar quarters of the SBA approval date. The first and last may cover part of a quarter: the window is the 36 months ending September 30, 2026.
A 6-digit code is printed only where the SBA file holds 5 or more loans of the program in that state; the rest show as their 2-digit sector.
| Processing method | Loans |
|---|---|
| Preferred Lenders Program | 51 |
| SBA Express Program | 5 |
| International Trade Loans | 1 |
- Oconee State Bank made 57 SBA 7(a) loans totaling $52.5M in the 36 months ending September 30, 2026, net of cancelled approvals, in 14 states. SBA FOIA,
- 25 of them were in the 12 months to September 30, 2026, and 21 in the 12 months before. SBA FOIA,
- The typical loan was about $560K, with the middle half between $370K and $910K. SBA FOIA,
- The largest was about $5M. Every amount is rounded to 2 significant figures. SBA FOIA,
- 5 loans were under $150K, and 13 were $1M or more. SBA FOIA,
- The SBA file shows a median initial rate of 9.50% on 57 loans, with the middle half between 8.75% and 10.00%. SBA FOIA,
- The median term was 10 years. SBA FOIA,
- Its loans went most often to Fitness and Recreational Sports Centers, with 7. SBA FOIA,
- The SBA file lists 51 of its loans as processed under Preferred Lenders Program. SBA FOIA,
- Its loans were most often in Georgia (24), Florida (9) and Tennessee (6). SBA FOIA,
What we don't know
- Whether Oconee State Bank is taking new SBA 7(a) loans today, or how it would treat a business like yours.
- Loans that were never completed. The SBA file lists approvals, and this page leaves out the ones it marks cancelled.
- The borrower, the address and every term beyond rate and term. The public file does not show them.
SBA loans are on record by state only. Amounts are rounded to 2 significant figures and dates to the month. A 6-digit industry code is printed only where the SBA file holds 5 or more loans of the program in that state.
Loans are SBA approvals, net of cancelled approvals.
SBA does not require you to use an agent or broker for a loan application. SBA has not reviewed or endorsed this site.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.