Oak View National Bank
Warrenton, VA · Cert 58827 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Oak View Bankshares Inc.
National charter · OCC · 4 branches
Q2 2026
$966.1MAssets
$391.7MLoans
$693.0MDeposits
$84.1MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 84% of banks under $1B in assets operating in a single state (rank 120 of 743).
- Widest gap: net interest margin trails 94% of banks under $1B in assets operating in a single state (rank 704 of 746).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.89%
Rank 468 of 746
Net Interest Margin
2.46%
Rank 704 of 746
Efficiency Ratio
60.21%
Rank 285 of 746
Equity / Assets
8.70%
Rank 583 of 746
Non-interest income vs. expense
Unfavorable gap of $13.5M · efficiency ratio beats 62% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.89% | 0.72% | 1.06% | 1.45% | Beats 37% | 468 / 746 | |
| Return on Equity | 10.23% | 6.74% | 10.51% | 13.63% | Beats 48% | 387 / 746 | |
| Net Interest Margin | 2.46% | 3.17% | 3.68% | 4.16% | Beats 6% | 704 / 746 | |
| Efficiency Ratio | 60.21% | 55.74% | 64.58% | 75.47% | Beats 62% | 285 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.01% | 0.09% | 0.42% | 1.07% | Beats 84% | 120 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 74% | 195 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 16.69% | 11.55% | 13.75% | 17.60% | Beats 71% | 219 / 746 | |
| Total Risk-Based Capital Ratio | 17.50% | 11.71% | 14.33% | 18.43% | Beats 71% | 216 / 746 | |
| Equity / Assets | 8.70% | 8.90% | 10.51% | 13.06% | Beats 22% | 583 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 56.52% | 61.31% | 78.27% | 90.78% | 19th pctl | 603 / 746 | |
| Loans / Assets | 40.54% | 53.60% | 66.97% | 76.08% | 10th pctl | 671 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |