BlastPoint's Banking Scorecard

Oak View National Bank

$100M-$1B Specialty: Other VA FDIC cert 58827

Warrenton, VA

4 branches across VA

2664 banks in the $100M-$1B peer group nationally 22 in VA

Oak View National Bank has 2 strengths but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Credit Quality Leader: Top 22.1% in tier
+ Efficiency Ratio 5.54% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 1.2% in tier
- NIB Deposit Bleed: Bottom 26.8% in tier
- Credit Risk Growth: Bottom 38.2% in tier
- Net Interest Margin 1.18% below tier average
- ROA 0.27% below tier average

Get updates when Oak View National Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Total Assets ?	$924.5M +26.4% YoY +5.3% QoQ	+$538.5M	$386.1M +0.5% YoY	$17.9B +25.7% YoY	$6.2B +9.1% YoY	Top 2.9% in tier
Total Loans ?	$359.2M +10.7% YoY +3.6% QoQ	+$103.5M	$255.7M +1.1% YoY	$10.6B +27.9% YoY	$3.2B +10.8% YoY	75%
Total Deposits ?	$720.5M +15.3% YoY +0.9% QoQ	+$392.5M	$328.0M +0.1% YoY	$14.1B +22.4% YoY	$4.8B +8.2% YoY	Top 5.6% in tier
Return on Assets ?	1.00% +9.7% YoY -1.7% QoQ	-0.27%	1.27% +12.9% YoY	1.15% +53.9% YoY	1.23% +13.4% YoY	37%
Net Interest Margin ?	2.75% -7.7% YoY -7.7% QoQ	-1.18%	3.93% +6.0% YoY	3.81% +7.1% YoY	3.89% +5.7% YoY	Bottom 6.1% in tier
Efficiency Ratio ?	59.75% -1.6% YoY +1.3% QoQ	-5.54%	65.29% -4.5% YoY	65.58% -7.6% YoY	66.95% -4.1% YoY	60%
Delinquency Rate ?	0.01%	-0.88%	0.89% +18.8% YoY	0.77% +12.4% YoY	0.95% +18.8% YoY	Top 13.3% in tier
Loan-to-Deposit Ratio ?	49.85% -4.0% YoY +2.7% QoQ	-26.78%	76.64% +0.8% YoY	79.34% +0.5% YoY	76.70% +0.9% YoY	Top 9.2% in tier
Non-Interest-Bearing Deposit Share ?	14.34% -20.4% YoY -7.3% QoQ	-7.68%	22.02% -1.0% YoY	25.27% -0.4% YoY	22.01% -1.2% YoY	22%
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.55% +12.2% YoY	0.67% +19.3% YoY	Top 11.9% in tier
Tier 1 Capital Ratio ?	17.35% +11.2% YoY -8.3% QoQ	+1.52%	15.83% +1.5% YoY	16.28% +2.7% YoY	17.06% +0.8% YoY	79%
Non-Interest Income / Assets ?	0.08% +55.8% YoY -59.1% QoQ	-0.20%	0.28% +9.3% YoY	0.18% +27.1% YoY	0.32% +4.1% YoY	42%

Get Full Access to Oak View National Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth

#148 of 664 • Top 22.1% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.01%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (3)

Credit Quality Pressure

risk

#17 of 1308 • Bottom 1.2% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.01%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ

NIB Deposit Bleed

decline

#54 of 198 • Bottom 26.8% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 14.34%

(Tier: 22.02%, National: 22.01%)

worse than tier avg

198 of 198 Community banks match · 238 nationally

↓ Shrinking -31 banks QoQ

Credit Risk Growth

risk

#373 of 973 • Bottom 38.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (7 metrics)

Total Assets

size

Value: $924.54M

Peer Median: $386.08M

#79 of 2664 Top 2.9% in $100M-$1B

150

Total Deposits

size

Value: $720.52M

Peer Median: $327.97M

#150 of 2664 Top 5.6% in $100M-$1B

247

Loan-to-Deposit Ratio

liquidity

Value: 49.85%

Peer Median: 76.64%

#247 of 2664 Top 9.2% in $100M-$1B

318

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#318 of 2664 Top 11.9% in $100M-$1B

354

Delinquency Rate

credit_quality

Value: 0.01%

Peer Median: 0.89%

#354 of 2654 Top 13.3% in $100M-$1B

573

Tier 1 Capital Ratio

capital

Value: 17.35%

Peer Median: 15.83%

#573 of 2664 Top 21.5% in $100M-$1B

658

Total Loans

size

Value: $359.21M

Peer Median: $255.72M

#658 of 2664 Top 24.7% in $100M-$1B

Top Weaknesses (2 metrics)

2502

Net Interest Margin

profitability

Value: 2.75%

Peer Median: 3.93%

#2502 of 2664 Bottom 6.1% in $100M-$1B

2089

Non-Interest-Bearing Deposit Share

funding

Value: 14.34%

Peer Median: 22.02%

#2089 of 2664 Bottom 21.6% in $100M-$1B