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.

FDIC-Insured – Backed by the full faith and credit of the U.S. Government

Commercial Lending Team

Phillip Edwards

SVP, Community President: Athens
[email protected]
(706) 310-2180
(678) 316-4870

Phillip Edwards brings 25 years of experience to his work with business owners and professionals. He specializes in medical, commercial, industrial, and owner-occupied credit financing, providing solutions designed to meet unique business needs. Phillip is passionate about supporting clients in a true community bank environment where relationships come first.