Oak View National Bank: how it compares with its peers
Against 20 VA banks with half to twice its assets, Oak View National Bank's strongest measure in Q2 2026 is assets per employee ($13.8M vs. a $6.5M peer median). Its weakest relative measure is net interest margin (2.72% vs. 3.96%).
| Measure | Oak View National Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.93% | 1.46% | Bottom third Ahead of 20% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.72% | 3.96% | Bottom third Ahead of 0% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 60.21% | 59.11% | Middle third Ahead of 45% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $13.8M | $6.5M | Top third Ahead of 90% of peers |
| Loans to deposits Net loans and leases over total deposits. | 56.00% | 87.25% | Context |
What it means for lending operations
Its efficiency ratio of 60.21% is above the 59.11% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- New Peoples Bank, Inc. Honaker, VA · $942M
- Bank of Botetourt Buchanan, VA · $939M
- Bank of the James Lynchburg, VA · $1.03B
- The Freedom Bank of Virginia Fairfax, VA · $1.04B
- First National Bank Altavista, VA · $1.14B
- Trustar Bank Great Falls, VA · $1.14B
Questions about Oak View National Bank
How big is Oak View National Bank?
Oak View National Bank, established in 2009, is headquartered in Warrenton, VA. It reported $966M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Oak View National Bank's return on assets?
0.93% annualized in Q2 2026, against a 1.46% median for 20 VA banks with half to twice its assets, ahead of 20% of them.
What is Oak View National Bank's efficiency ratio?
60.21% in Q2 2026: it spent about 60 cents in noninterest expense for each dollar of revenue. The peer median is 59.11%, and lower is better.
Is Oak View National Bank growing its loans?
Net loans grew 17.0% over the year to Q2 2026, while deposits grew 7.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are VA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Virginia bank ranked.