Important Fraud Prevention Reminder: Oconee State Bank will never call or text you asking for your personal information. If you receive a call or text from any number asking you to confirm personal account information or verify unusual account activity, please reach out to our Digital Solutions Center by calling 706-769-6611. Do not call the number in the message or provide personal information. Stay Alert. Stay Secure.

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Commercial Lending Team

Joe Godfrey

SVP, Community President: Gwinnett
[email protected]
(678) 983-9425
(770) 616-4741

With more than 25 years in community banking, Joe Godfrey brings deep experience and a passion for serving others. He began his financial career at Gwinnett Community Bank in 1999 and joined Oconee State Bank in 2019. Joe previously spent 15 years in the automotive industry before transitioning into banking and is a past president of the Rotary Club of Gwinnett, remaining active in community service today.