Oak View National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Oak View National Bank of Warrenton, VA against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.84% | 1.34% | -0.50% | 25th below |
| ROAE | 10.28% | 13.32% | -3.04% | 38th below |
| Net Interest Margin | 2.78% | 3.93% | -1.15% | 6th bottom |
| Efficiency Ratio | 56.56% | 61.14% | -4.58% | 65th above |
| PPNR / Avg Assets | 1.03% | 1.68% | -0.65% | 21st bottom |
| Yield on Earning Assets | 5.55% | 5.67% | -0.12% | 48th below |
| Cost of Funds | 2.97% | 1.88% | +1.09% | 6th bottom |
| Net Interest Spread | 2.12% | 3.32% | -1.20% | 5th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 51st above |
| ACL / Total Loans | 0.92% | 1.28% | -0.36% | 18th bottom |
| Texas Ratio | 0.03% | 7.34% | -7.31% | 89th top |
| Provision / NCO | 19550.00% | 1369.62% | +18180.38% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.69% | 19.51% | -2.82% | 62nd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.69% | 19.54% | -2.85% | 61st above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 17.50% | 20.63% | -3.13% | 60th above |
| Leverage Ratio | 8.16% | 12.14% | -3.98% | 3rd bottom |
| Equity / Assets | 8.70% | 11.38% | -2.68% | 23rd bottom |
| TCE / Tangible Assets | 8.70% | 11.10% | -2.40% | 26th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 56.52% | 80.66% | -24.14% | 86th top |
| Core Deposit Ratio | 77.35% | 86.87% | -9.52% | 11th bottom |
| Wholesale Funding Ratio | 18.93% | 5.01% | +13.92% | 2nd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 24.95% | 6.84% | +18.11% | 97th top |
| Loan Growth (Y/Y) | 17.00% | 7.89% | +9.11% | 89th top |
| Deposit Growth (Y/Y) | 7.50% | 6.29% | +1.21% | 73rd above |
See Oak View National Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Oak View National Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Oak View National Bank profile, how to read a UBPR, or how this data updates.