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Oak View National Bank

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

Warrenton, VA

4 branches across VA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 23 in VA.
  • Deposits +7.5% year over year ($693.0M on the books).
  • Delinquency rate 0.01%.
  • Return on assets 0.93%.
  • Efficiency ratio 60.21% vs a 64.48% peer average.
  • Loan-to-deposit ratio 56.00% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 23 in VA
View $100M-$1B leaderboard (VA) →

Oak View National Bank has 2 strengths but faces 3 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 21.7% in tier
  • + Efficiency Ratio 4.27% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 1.3% in tier
  • - Net Interest Margin 1.27% below tier average
  • - ROA 0.39% below tier average
Get updates when Oak View National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Total Assets ? $966.1M
+25.0% YoY +4.5% QoQ
+$579.6M $386.6M
+1.2% YoY
$17.9B
+3.0% YoY
$6.3B
+7.7% YoY
Top 1.2% in tier
Total Loans ? $388.1M
+17.0% YoY +8.0% QoQ
+$129.7M $258.3M
+1.7% YoY
$10.9B
+3.1% YoY
$3.2B
+9.4% YoY
78%
Total Deposits ? $693.0M
+7.5% YoY -3.8% QoQ
+$366.2M $326.7M
+0.7% YoY
$14.1B
+3.2% YoY
$4.9B
+7.3% YoY
Top 7.3% in tier
Return on Assets ? 0.93%
-8.1% YoY -6.5% QoQ
-0.39% 1.32%
+10.8% YoY
1.34%
+70.7% YoY
1.30%
+12.1% YoY
30%
Net Interest Margin ? 2.72%
-10.3% YoY -1.1% QoQ
-1.27% 3.99%
+5.0% YoY
3.88%
+6.6% YoY
3.95%
+4.9% YoY
Bottom 5.1% in tier
Efficiency Ratio ? 60.21%
+2.2% YoY +0.8% QoQ
-4.27% 64.48%
-3.2% YoY
62.24%
-10.7% YoY
70.05%
+2.5% YoY
56%
Delinquency Rate ? 0.01%
-11.0% QoQ
-0.91% 0.92%
+15.7% YoY
0.72%
+0.1% YoY
0.98%
+16.3% YoY
Top 13.4% in tier
Loan-to-Deposit Ratio ? 56.00%
+8.9% YoY +12.3% QoQ
-21.95% 77.95%
+1.0% YoY
80.15%
+0.8% YoY
79.03%
+2.3% YoY
Top 13.4% in tier
Non-Interest-Bearing Deposit Share ? 15.54%
-0.0% YoY +8.3% QoQ
-6.50% 22.03%
-0.6% YoY
26.19%
+3.5% YoY
21.98%
-0.6% YoY
26%
Nonperforming Asset Ratio ? 0.00%
-8.0% QoQ
-0.67% 0.67%
+16.4% YoY
0.52%
-0.4% YoY
0.69%
+15.8% YoY
Top 11.8% in tier
Tier 1 Capital Ratio ? 16.69%
-5.1% YoY -3.8% QoQ
+0.78% 15.91%
+1.4% YoY
16.58%
+3.9% YoY
17.09%
+0.8% YoY
75%
Non-Interest Income / Assets ? 0.11%
-13.2% YoY +33.0% QoQ
-0.46% 0.57%
+7.6% YoY
0.52%
+72.6% YoY
0.66%
+5.2% YoY
22%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Noninterest-Bearing 15.5%
0.0pp YoY
+1.2pp QoQ
 -6.6pp 22.1% 26.2% 22.2% 26%
Brokered Deposits 13.6%
-2.6pp YoY
-5.7pp QoQ
 +5.7pp 7.9% 8.5% 8.5% 83%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
C&I 9.7%
+1.0pp YoY
+0.6pp QoQ
 -1.8pp 11.6% 11.0% 12.5% 51%
CRE 39.4%
-0.3pp YoY
+1.3pp QoQ
 -0.2pp 39.5% 46.9% 41.4% 52%
1-4 Family 48.3%
-1.2pp YoY
-1.8pp QoQ
 +15.7pp 32.6% 32.6% 31.3% 80%
Consumer 2.1%
+0.2pp YoY
-0.3pp QoQ
 -2.1pp 4.1% 8.0% 5.0% 49%

Capital

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
CET1 Ratio 16.7%
-0.9pp YoY
-0.7pp QoQ
 -2.1pp 18.8% 17.2% 19.7% 62%
Leverage Ratio 8.2%
-0.4pp YoY
-0.5pp QoQ
 -4.0pp 12.2% 12.2% 12.6% 3%
Total Capital Ratio 17.5%
-1.0pp YoY
-0.7pp QoQ
 -2.4pp 19.9% 18.3% 20.8% 60%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Full-Time Employees 70
+4 (+6.1%) YoY
+1 (+1.4%) QoQ
 +11 58 1,956 482 71%
Assets per Employee ($) $13.8M
+17.8% YoY
+3.0% QoQ
 +$6.3M $7.5M $9.9M $8.8M 96%
Branch Count 4
0 YoY
0 QoQ
 -1 4 28 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.2% 0.4% 13%
Nonaccrual n/a n/a 0.9% 0.7% 1.0% n/a
Allowance Coverage 144.28x
-95.4% YoY
+11.7% QoQ
 +120.13x 24.15x 9.47x 20.23x 98%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.2% 0.2% 30%

Profitability

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
ROE 10.7%
-2.8pp YoY
-0.8pp QoQ
 -1.5pp 12.2% 12.0% 11.6% 41%
Cost of Funds (YTD) 2.7%
+0.1pp YoY
+0.2pp QoQ
 +1.0pp 1.7% 1.7% 1.7% 94%
Net Income ($, YTD) $4.3M
+15.7% YoY
— QoQ
 +$1.7M $2.6M $137.1M $40.4M 83%

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
#144 of 659 • Top 21.7% 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: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (1)

Credit Quality Pressure

risk
#18 of 1256 • Bottom 1.3% 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: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (7 metrics)

32
Total Assets
size
Value: $966.14M
Peer Median: $386.57M
#32 of 2643 Top 1.2% in $100M-$1B
195
Total Deposits
size
Value: $692.97M
Peer Median: $326.73M
#195 of 2643 Top 7.3% in $100M-$1B
313
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#313 of 2643 Top 11.8% in $100M-$1B
354
Loan-to-Deposit Ratio
liquidity
Value: 56.00%
Peer Median: 77.95%
#354 of 2643 Top 13.4% in $100M-$1B
354
Delinquency Rate
credit_quality
Value: 0.01%
Peer Median: 0.92%
#354 of 2633 Top 13.4% in $100M-$1B
586
Total Loans
size
Value: $388.05M
Peer Median: $258.35M
#586 of 2643 Top 22.1% in $100M-$1B
650
Tier 1 Capital Ratio
capital
Value: 16.69%
Peer Median: 15.91%
#650 of 2643 Top 24.6% in $100M-$1B

Top Weaknesses (2 metrics)

2509
Net Interest Margin
profitability
Value: 2.72%
Peer Median: 3.99%
#2509 of 2643 Bottom 5.1% in $100M-$1B
2055
Non-Interest Income / Assets
revenue_mix
Value: 0.11%
Peer Median: 0.57%
#2055 of 2643 Bottom 22.3% in $100M-$1B
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