PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Oak View National Bank

Warrenton, VA · Cert 58827 · Oak View Bankshares Inc.

National charter · OCC · 4 branches

Q2 2026

$966.1MAssets
$391.7MLoans
$693.0MDeposits
$84.1MEquity
Loan mix
89%RE $321.0M9%C&I $32.8M2%Consumer $8.6MQ2 2025Q2 2026
Deposit mix
84%Interest-bearing $585.3M16%Noninterest $107.7MQ2 2025Q2 2026

NIM

5.74%Q2 ’245.38%Q2 ’255.15%Q2 ’26-4%-15%

Non-interest income vs. expense

1.80%Q2 ’241.85%Q2 ’251.58%Q2 ’26-4%-5%

Market Position · Washington-Arlington-Alexandria, DC-VA-MD-WV · 2026 SOD (annual) · 0.2% share · #32 of 71 inst. · $0.7B of $301.4B

24.2% Fauquier
10.8% Culpeper
19.2% Rappahannock

Executive Summary

  • Earnings: ROA of 0.87%, down 25 bps year over year; NIM at 2.49%.
  • Asset quality: problem loans at 0.01% of loans (+1 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.16%, down 38 bps from a year ago.
  • Funding: loans stand at 56.52% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.87%-25 bps YoY

Net Interest Margin (quarter, annualized)

2.49%-43 bps YoY

Efficiency Ratio (quarter, annualized)

60.69%+343 bps YoY

Tier 1 Leverage Ratio

8.16%-38 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.12%0.97%1.06%1.00%0.87%-25 bps
Return on Equity14.80%12.40%12.47%11.51%10.28%-452 bps
Net Interest Margin2.92%2.79%2.79%2.65%2.49%-43 bps
Efficiency Ratio57.26%58.12%60.04%59.75%60.69%+343 bps
Non-Interest Burden1.53%1.53%1.61%1.44%1.46%-7 bps
Growth
Asset Growth (YoY)22.74%24.53%26.44%26.42%24.95%+221 bps
Loan Growth (YoY)5.79%6.04%9.18%10.66%17.00%+1,121 bps
Deposit Growth (YoY)22.09%24.15%21.27%15.27%7.50%-1,459 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.01%0.00%0.01%0.01%+1 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.94%0.94%0.92%0.93%0.92%-2 bps
Allowance Coverage of NPLs3144.0x111.0xn/a129.2x144.3x-2999.7x
Capital
Tier 1 Leverage Ratio8.54%8.11%8.95%8.67%8.16%-38 bps
Total Risk-Based Capital18.50%17.09%19.77%18.15%17.50%-100 bps
Equity / Assets7.89%7.76%9.13%8.20%8.70%+81 bps
Liquidity & Funding
Loans / Deposits51.93%48.32%48.98%50.32%56.52%+459 bps
Liquid Assets / Assets9.35%4.16%5.05%6.04%3.88%-547 bps
CRE / Total Capitaln/a193.35%169.83%176.73%n/an/a