Oak View National Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The standout move of Q2 2026 was in Total interest expense: 19.0% higher than in Q1 2026, at $6.5M. On net interest margin, Oak View National Bank is 2nd from the bottom among 56 Virginia banks, 2.78% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Oak View National Bank sits 1.17 points lower, at 2.78% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.55% |
| Yield on loans | 6.22% |
| Yield on securities | 5.28% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.97% |
| Cost of interest-bearing deposits | 3.15% |
| Cost of interest-bearing liabilities | 3.43% |
| Cost of borrowings | 4.02% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.78% |
| Yield to cost spread | 2.12% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.8M |
| Total interest expense | $6.5M |
| Interest expense on deposits | $4.7M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.48% | 2.57% | 3.05% | 5.20% | 5.93% |
| Q4 2023 | 5.61% | 2.79% | 2.98% | 5.35% | 6.08% |
| Q1 2024 | 5.63% | 2.87% | 2.91% | 5.45% | 6.01% |
| Q2 2024 | 5.91% | 2.93% | 3.14% | 5.58% | 6.22% |
| Q3 2024 | 5.87% | 3.02% | 3.03% | 5.80% | 6.02% |
| Q4 2024 | 5.74% | 3.00% | 2.90% | 5.85% | 5.78% |
| Q1 2025 | 5.59% | 2.74% | 2.96% | 5.76% | 5.67% |
| Q2 2025 | 5.60% | 2.69% | 3.04% | 5.93% | 5.48% |
| Q3 2025 | 5.74% | 2.90% | 3.00% | 6.07% | 5.60% |
| Q4 2025 | 5.71% | 2.81% | 3.07% | 6.13% | 5.51% |
| Q1 2026 | 5.47% | 2.71% | 2.93% | 6.08% | 5.18% |
| Q2 2026 | 5.55% | 2.97% | 2.78% | 6.22% | 5.28% |
Oak View National Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Oak View National Bank, freeSource: Call Report Schedules RI and RC-K, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Oak View National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58827) · FFIEC NIC profile (RSSD 3816190)