Oak View National Bank
BankRegReports is independent of Oak View National Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Oak View National Bank is an FDIC-insured commercial bank headquartered in Warrenton, VA, established in 2009 (FDIC certificate 58827), and it is supervised by the OCC. At Q2 2026 it reported total assets of $966.1M, up 25.0% from Q2 2025, the 30th largest of 56 banks headquartered in Virginia. Its CET1 capital ratio was 16.69% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 58827
- Headquarters
- Warrenton, VA
- Established
- 2009
- Total assets, Q2 2026
- $966.1M
- Assets vs Q2 2025
- +25.0%
- CET1 ratio, Q2 2026
- 16.69%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 051409582
- Latest call report
- Q2 2026, FFIEC 051 · Oak View National Bank call report
- Holding company
- OAK VIEW BANKSHARES, INC.
- Asset rank in state
- 30th of 56 in Virginia
Oak View National Bank is growing quickly. It reported $966 million in assets at June 30, 2026, up 25.0% from a year earlier. It keeps 2.78 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also pays an average of 2.97% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 1.80%).
Loans are outrunning deposits: over the year loans rose 17.0% and deposits rose 7.5%. Where it has less room is capital: it funds 8.16% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 10.99%).
As of June 30, 2026, Oak View National Bank reported a CET1 capital ratio of 16.69%, a return on assets of 0.84%, a nonperforming-loan ratio of 0.01% and a Texas ratio of 0.03%. The figures come from its call report filed with the FFIEC.
Of the 56 banks headquartered in Virginia, Oak View National Bank is the 30th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 4.5% to $966.1M, loans rose 8.0% and deposits fell 3.8%. 1-4 family residential loans made up 47.8% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 19.5%. The FDIC Summary of Deposits lists 4 offices for it, in 4 cities in VA; its Warrenton office books 59% of its branch deposits. Judged on its Q2 2026 call report, Oak View National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 340 Waterloo Street, Warrenton, VA 20186
- County
- Fauquier
- Metro Area
- Washington-Arlington-Alexandria, DC-Va-MD-WV
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 8, 2009
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 70
- Domestic deposits
- $693.0M
- Allowance for credit losses
- $3.6M
- Net charge-offs (YTD)
- $2K
- Average total assets
- $972.9M
- Average total loans
- $375.5M
- Average interest-bearing deposits
- $592.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 8, 2009
- FDIC Cert
- 58827
- Fed RSSD
- 3816190
- SEC CIK
- 1865429 → filed by OAK VIEW BANKSHARES, INC.
- Website
- WWW.OAKVIEWBANK.COM →
- Parent Holding Company
- OAK VIEW BANKSHARES, INC. (RSSD 5619706) · OAKV
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Oak View National Bank's total assets ranged from $592.6M (Q3 2023) to $966.1M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$966.1M total assets against $773.2M; $882.1M total liabilities against $712.2M.
$388.1M net loans and leases against $331.6M; $693.0M total deposits against $644.6M.
$508.1M securities against $342.9M; $25.4M cash and balances due against $63.3M.
$12.5M total interest income against $10.2M; $6.5M total interest expense against $4.7M.
$6.0M net interest income against $5.5M.
$301K total noninterest income against $597K; $3.9M total noninterest expense against $3.5M.
$250K provision for credit losses against $77K.
$2.1M net income against $2.1M.
0.84% return on assets against 1.11%; 2.78% net interest margin against 3.04%.
16.69% CET1 capital ratio against 17.58%; 8.16% tier 1 leverage ratio against 8.54%.
Inside the full Oak View National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeOak View National Bank rankings
Its closest position to the top of a national ranking is 1,067 of 4,196, for total assets; its furthest is 3,310 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.84% (Q2 2026) to 1.11% (Q2 2025) and its net interest margin ran from 2.78% (Q2 2026) to 3.07% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.69% | 0.84% | 0.01% | 0.03% | 2.78% |
| Q1 2026 | 17.35% | 1.01% | 0.01% | 0.03% | 2.93% |
| Q4 2025 | 18.92% | 1.05% | 0.00% | 0.00% | 3.07% |
| Q3 2025 | 16.24% | 0.96% | 0.01% | 0.04% | 3.00% |
| Q2 2025 | 17.58% | 1.11% | 0.00% | 0.00% | 3.04% |
| Q1 2025 | 15.60% | 0.91% | 0.00% | 0.00% | 2.96% |
| Q4 2024 | 15.63% | 0.95% | 0.01% | 0.03% | 2.90% |
| Q3 2024 | 15.42% | 0.99% | 0.01% | 0.03% | 3.03% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Oak View National Bank (main office) | Warrenton , VA | 20186 | $409.7M |
| Marshall Office | Marshall , VA | 20115 | $149.4M |
| Culpeper Office Branch | Culpeper , VA | 22701 | $107.4M |
| Flint Hill Branch | Flint Hill , VA | 22627 | $26.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in VA, rank 44 of 102 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $580K approved, $290K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Oak View National Bank’s latest filed figures and updates each quarter.
Similar banks
Compare Oak View National Bank with peers
Frequently asked about Oak View National Bank
What are Oak View National Bank's total assets?
As of the Q2 2026 filing, Oak View National Bank reported total assets of $966.1 million in its FFIEC call report.
Where is Oak View National Bank headquartered?
It is headquartered in Warrenton, VA, United States.
When was Oak View National Bank founded?
It was established in 2009, per the FDIC institution directory.
Is Oak View National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58827). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Oak View National Bank?
Oak View National Bank's primary federal regulator is the OCC.
What is Oak View National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.69% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Oak View National Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Oak View National Bank's Texas Ratio?
Its Texas Ratio is 0.03% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on Oak View National Bank.
Get an email when Oak View National Bank files its next call report, and benchmark it against any peer you choose.
Unlock Oak View National Bank, freeFree account