Warrenton, VA · Cert 58827 · Oak View Bankshares Inc.
National charter · OCC · 4 branches
Q2 2026
Market Position · Washington-Arlington-Alexandria, DC-VA-MD-WV · 2026 SOD (annual) · 0.2% share · #32 of 71 inst. · $0.7B of $301.4B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.08% | 1.05% | 0.91% | 1.01% | 1.00% | 1.01% | 1.00% | 0.93% | -8 bps | |
| Return on Equity | 14.21% | 13.87% | 12.41% | 13.49% | 13.12% | 12.78% | 11.51% | 10.74% | -275 bps | |
| Net Interest Margin | 2.81% | 2.69% | 2.83% | 2.79% | 2.66% | 2.58% | 2.65% | 2.46% | -33 bps | |
| Efficiency Ratio | 58.77% | 59.75% | 60.70% | 58.88% | 58.62% | 59.00% | 59.75% | 60.21% | +132 bps | |
| Non-Interest Burden | 1.56% | 1.52% | 1.63% | 1.53% | 1.46% | 1.44% | 1.44% | 1.39% | -14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.11% | 15.76% | 17.19% | 22.74% | 24.53% | 26.44% | 26.42% | 24.95% | +221 bps | |
| Loan Growth (YoY) | 8.38% | 5.58% | 7.37% | 5.79% | 6.04% | 9.18% | 10.66% | 17.00% | +1,121 bps | |
| Deposit Growth (YoY) | 21.14% | 24.15% | 25.35% | 22.09% | 24.15% | 21.27% | 15.27% | 7.50% | -1,459 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.01% | 0.01% | 0.00% | 0.00% | 0.01% | 0.00% | 0.01% | 0.01% | +1 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 0.93% | 0.94% | 0.94% | 0.94% | 0.94% | 0.92% | 0.93% | 0.92% | -2 bps | |
| Allowance Coverage of NPLs | 177.2x | 176.7x | n/a | 3144.0x | 111.0x | n/a | 129.2x | 144.3x | -2999.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.02% | 7.84% | 7.69% | 8.54% | 8.11% | 8.95% | 8.67% | 8.16% | -38 bps | |
| Total Risk-Based Capital | 16.37% | 16.56% | 16.54% | 18.50% | 17.09% | 19.77% | 18.15% | 17.50% | -100 bps | |
| Equity / Assets | 7.53% | 7.47% | 7.16% | 7.89% | 7.76% | 9.13% | 8.20% | 8.70% | +81 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 56.58% | 54.41% | 52.42% | 51.93% | 48.32% | 48.98% | 50.32% | 56.52% | +459 bps | |
| Liquid Assets / Assets | 5.59% | 7.65% | 8.49% | 9.35% | 4.16% | 5.05% | 6.04% | 3.88% | -547 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 193.35% | 169.83% | 176.73% | n/a | n/a | |