As you will see throughout your 2021 Annual Report, we are pleased to share that Oconee State Bank exceeded our strategic goals last year. In doing so, we have continued to strengthen our foundation and position ourselves for continued growth, which will enable us to achieve our ultimate goal of becoming Georgia’s Most Remarkable Community Bank.

In order to chart our course to achieve this goal, our team embraces that we must cultivate a remarkable team, foster a remarkable culture, execute a remarkable strategy, in order to continue to produce remarkable value for all stakeholders. When asked recently, “what are the keys to building a stronger bank,” I responded with three essential elements.

Ignite an Unstoppable CultureEvery organization has a culture, but not every organization is intently focused on igniting a culture that is remarkable. Here at Oconee State Bank, we strive to create an environment where what is written on the walls (our vision, mission, and values) is lived in the halls. When the passion, strengths, and talents of our team members align with those of our organization, this is when the magic happens. My friend, Glen Jackson, Co-Founder of Jackson Spalding, says “every company should ensure their culture has 5 F’s.” Fun – a place where team members enjoy working. Fascination – a place where team members are fascinated by the organization’s mission and strategy for growth. Financial – a place where all stakeholders achieve financial success. Future – a place where team members believe in the company’s future and know they are positively impacted by its growth. Freedom – a place where team members hold each other accountable, while having the autonomy to serve with prudence and excellence. At Oconee State Bank, our team is dedicated to igniting an unstoppable culture, understanding that a remarkable team member experience translates to an equally remarkable experience for our customers, shareholders, industry partners, and the communities we serve.

Grow LeadersJohn Maxwell said, “Everything rises and falls on leadership.” Any successful organization has learned how to effectively grow and develop their leaders. Our priority is to pour our time, talent, and resources into cultivating, not only our current leadership team, but our future leaders as well. We are fortunate to have, and continue to seek, leaders who are passionate about their professional and personal development; leaders who are authentic and genuinely care about our team; leaders who are competent and highly skilled in their role; leaders with a strong work ethic who set high standards for themselves, their peers, and relentlessly pursue excellence; leaders who communicate exceptionally well; and leaders with a high degree of emotional intelligence. The cornerstone of any organization lies in the strength of its leaders. At Oconee State Bank, we agree with Mr. Maxwell and understand that leadership development is a key component of our strategic growth.

Execute with ExcellenceOne important trait of any successful company is the ability to effectively execute a strong strategy. My friend David Salyers, former Vice President of Marketing for Chick-Fil-A, says that “80% of what we do is the same as every other bank. Executing with excellence is doing the 80% really well, while identifying how to differentiate ourselves by doing the additional 20% radically different.” Oconee State Bank is fanatical about inspiring raving fans, by creating remarkable experiences that significantly mark the lives of others.

At OSB, we envision producing an environment where our customers and communities are served by a team, whose passion and purpose is to consistently offer remarkable service and value to others. As we move forward in 2022, with a focus on continued growth and collaboration, I am confident, with your support, we will continue to be essential to the lives, businesses, and communities we serve.