Oak View National Bank: Bank Stress & Real-Estate Credit Exposure

Oak View National Bank (FDIC Cert #58827) carries a DLRadar bank-stress score of 76/100, a severe reading of the credit and balance-sheet pressure weighing on the institution. That figure comes straight from public FDIC call-report data — capital, asset quality, earnings and property-loan concentration — weighted by the bank's lending footprint.

The recent trend is stable. Where the score is heading often matters more than where it sits, since tightening credit leads distress rather than follows it. Oak View National Bank is held under Oak View Bankshares Inc, so its disclosures are public and its stress trajectory is externally verifiable. Oak View National Bank runs a compact, single-state real-estate lending footprint — 3 U.S. counties across 1 state, spanning 45 ZIP codes. Its heaviest exposure sits in Virginia (3 counties). County by county, that footprint includes Fauquier County, VA, Culpeper County, VA, Rappahannock County, VA, among others DLRadar tracks parcel by parcel. The combination of a severe reading and a compact footprint is what makes Oak View National Bank worth watching as a supply signal. What separates this from a plain credit rating is the geographic weighting — Oak View National Bank's 76/100 reading reflects not just its balance sheet but the 3 counties it lends into, so the score doubles as a map of where its stress will land first. No bank is too small to score the same way: Oak View National Bank runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 3-county, 45-ZIP profile means exactly what it would for any institution nationwide. The value is in the linkage: Oak View National Bank's severe reading is mapped onto 45 ZIP codes and 3 counties where DLRadar independently tracks foreclosures, tax liens and ownership turnover, so credit pressure and physical distress line up on one timeline.

The acquisition angle is simple — lending capacity is what moves deals. As Oak View National Bank tightens across its markets, refinances fail, builders lose credit, and over-levered owners are pushed toward default and forced exit. That makes bank stress a forward indicator — it points to tomorrow's distressed supply, not yesterday's.

DLRadar scores every FDIC-insured bank this way and links each lender to parcel-level foreclosure, tax-lien and ownership signals in the markets it serves. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.