Oak View National Bank (FDIC #58827): Bank Stress & Real-Estate Credit Exposure
Oak View National Bank (FDIC Cert #58827): bank stress 76/100, severe, STABLE over 7 days; parent OAK VIEW BANKSHARES INC.
Oak View National Bank (#58827) lends in 3 counties across 1 state; Oak View National Bank (#58827) reaches 45 ZIP codes: Virginia 3 counties, 45 ZIPs.
Oak View National Bank (#58827) largest markets: Fauquier County, VA (48 branches, 24 ZIPs) (#58827), Culpeper County, VA (19 branches, 19 ZIPs) (#58827), Rappahannock County, VA (10 branches, 10 ZIPs) (#58827).
Oak View National Bank (#58827) reports $966.1 million in total assets; Oak View National Bank (#58827) equity $84.1 million (8.7% of Oak View National Bank (#58827) assets); Oak View National Bank (#58827) domestic deposits $693.0 million; Oak View National Bank (#58827) net income $4.3 million; Oak View National Bank (#58827) return on assets 0.93%; Oak View National Bank (#58827) return on equity 10.74%; Oak View National Bank (#58827) net interest income $12.0 million; Oak View National Bank (#58827) call report June 30, 2026.
Oak View National Bank (#58827) noncurrent real-estate loans: none reported; Oak View National Bank (#58827) net charge-offs on real estate 0.01%.
Oak View National Bank (#58827) net interest margin 2.72% against an eight-quarter Oak View National Bank (#58827) average of 2.95% (Oak View National Bank (#58827) compression 0.23 points); Oak View National Bank (#58827) rate-exposure score 40/100, Oak View National Bank (#58827) fixed-rate trap 40/100; Oak View National Bank (#58827) risk type credit driven; Oak View National Bank (#58827) rate regime rates elevated, Oak View National Bank (#58827) snapshot October 19, 2026.
Oak View National Bank (#58827) stress score moved from 75.4 on June 22, 2026 to 76.5 on October 20, 2026; Oak View National Bank (#58827) ranged 75.4 to 76.5 over 117 snapshots.
Oak View National Bank (#58827) alerts: 3 counties; top Oak View National Bank (#58827) alert scores: Culpeper County, VA 41 (moderate); Flint Hill County, VA 25 (low); Warrenton County, VA 25 (low).