Oak View National Bank
Warrenton, Virginia, Fauquier County
$966M in total assets, the 1,099th largest of 4,309 US banks and 30th of 57 headquartered in Virginia.
- FDIC certificate
- 58827
- Established
- 2009
- Owned by
- Oak View Bankshares Inc
- Primary regulator
- OCC
- Website
- WWW.OAKVIEWBANK.COM
At a glance
Compared with 22 banks headquartered in Virginia with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $966M | 98% | $366M | |
| Loans | $392M | 73% | $265M | |
| Deposits | $693M | 91% | $291M | |
| Return on assets | 0.97% | 36% | 1.20% | |
| Net interest margin | 2.72% | 2% | 4.10% | |
| Efficiency ratio | 60.2% | 36% | 62.2% | |
| Equity to assets | 8.70% | 4% | 10.96% | |
| Loans to deposits | 57% | 9% | 82% |
Growth
Total assets grew 25.2% a year over the last 5 years and 17.5% a year over 10 years, without acquisitions.
Where they operate
4 branches in 3 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Fauquier County, VA | $559M | 24.2% | 1 of 10 |
| Culpeper County, VA | $107M | 10.8% | 4 of 5 |
| Rappahannock County, VA | $26M | 19.2% | 2 of 2 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 1 branch since 2016 (3 to 4, +33.3%). 1 opened, 0 acquired, 0 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 3 | |||
| 2024 | Opened Flint Hill | 1 | 0 | +1 | 4 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 48% | 31% | |
| Commercial real estate | 32% | 29% | |
| Business (C&I) | 10% | 11% | |
| Construction and land | 6% | 8% | |
| Consumer | 2% | 10% | |
| Farmland | 1% | 2% | |
| Multifamily | 1% | 6% | |
| Other | 0% | 2% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Time deposits | 43% | 32% | |
| Other interest-bearing | 41% | 38% | |
| Noninterest-bearing | 16% | 30% |
Brokered deposits are 13.6% of deposits (peers 4.3%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.01% | 0.28% |
| Net charge-offs, annualized | 0.00% | 0.04% |
| Reserves to loans | 0.92% | 1.12% |
| Leverage ratio | 8.16% | 12.27% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Virginia
Largest competitors in Fauquier County, VA
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/oak-view