BlastPoint's Banking Scorecard
Oak View National Bank
Community
Specialty: Other
VA
FDIC cert 58827
Warrenton, VA
1484
banks in Community tier nationally
32 in VA
View Community leaderboard (VA) →
Oak View National Bank shows strong momentum with 4 strengths and 26.4% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.63% below tier
- + Loan-to-Deposit Ratio 34.53% below tier
- + Nonperforming Asset Ratio 0.50% below tier
- + Tier 1 Capital Ratio 8.70% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$878.0M
+26.4% YoY
+4.3% QoQ
|
-$513.4M |
$1.4B
+2.0% YoY
|
$17.5B
+24.6% YoY
|
$5.9B
+6.5% YoY
|
41% |
| Total Loans ? |
$346.7M
+9.2% YoY
+2.4% QoQ
|
-$628.8M |
$975.5M
+2.4% YoY
|
$10.7B
+28.4% YoY
|
$3.1B
+8.5% YoY
|
Bottom 8% in tier |
| Total Deposits ? |
$714.3M
+21.3% YoY
+1.0% QoQ
|
-$450.3M |
$1.2B
+1.7% YoY
|
$13.8B
+21.4% YoY
|
$4.7B
+6.3% YoY
|
40% |
| Return on Assets ? |
1.02%
-2.2% YoY
+2.9% QoQ
|
-0.14% |
1.16%
+17.2% YoY
|
0.94%
+24.9% YoY
|
1.12%
+15.6% YoY
|
41% |
| Net Interest Margin ? |
2.98%
-2.8% YoY
-0.4% QoQ
|
-0.69% |
3.66%
+9.1% YoY
|
3.66%
+9.0% YoY
|
3.75%
+7.1% YoY
|
17% |
| Efficiency Ratio ? |
59.00%
-1.3% YoY
+0.6% QoQ
|
-3.63% |
62.63%
-5.3% YoY
|
66.70%
-6.7% YoY
|
65.09%
-5.1% YoY
|
60% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.63% |
0.63%
+18.3% YoY
|
0.75%
+37.7% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
48.53%
-10.0% YoY
+1.4% QoQ
|
-34.53% |
83.06%
+0.3% YoY
|
79.98%
+0.8% YoY
|
78.04%
+0.7% YoY
|
Top 3% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.46%
-7.8% YoY
-0.6% QoQ
|
-5.58% |
21.05%
-0.9% YoY
|
24.23%
+0.2% YoY
|
21.79%
-1.3% YoY
|
27% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.50% |
0.50%
+20.3% YoY
|
0.53%
+39.4% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
18.94%
+21.2% YoY
+16.7% QoQ
|
+8.70% |
10.24%
-0.6% YoY
|
11.48%
+7.9% YoY
|
9.75%
-1.9% YoY
|
Top 9% in tier |
| Non-Interest Income / Assets ? |
0.20%
-11.1% YoY
+21.4% QoQ
|
-0.54% |
0.74%
-1.3% YoY
|
0.64%
-0.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 12% in tier |
Signature Analysis
Strengths (4)
Delinquency Rate
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.63%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 3%
in Community
Why this stands out
Current:
48.53%
(Tier avg: 83.06%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.50%, National avg: 0.48%)
Tier 1 Capital Ratio
metric
Top 9%
in Community
Why this stands out
Current:
18.94%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
97
97th pctile
Loan-to-Deposit Ratio
Current: 48.53% · Tier avg: 83.06%
91
91th pctile
Tier 1 Capital Ratio
Current: 18.94% · Tier avg: 10.24%
60
60th pctile
Efficiency Ratio
Current: 59.00% · Tier avg: 62.63%
41
41th pctile
Total Assets
Current: $878.0M · Tier avg: $1.4B
41
41th pctile
Return on Assets
Current: 1.02% · Tier avg: 1.16%
40
40th pctile
Total Deposits
Current: $714.3M · Tier avg: $1.2B
27
27th pctile
Non-Interest-Bearing Deposit Share
Current: 15.46% · Tier avg: 21.05%
17
17th pctile
Net Interest Margin
Current: 2.98% · Tier avg: 3.66%
12
12th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.74%
8
8th pctile
Total Loans
Current: $346.7M · Tier avg: $975.5M
Top Weaknesses
8
8th pctile
Total Loans
Current: $346.7M · Tier avg: $975.5M
12
12th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.74%
17
17th pctile
Net Interest Margin
Current: 2.98% · Tier avg: 3.66%
27
27th pctile
Non-Interest-Bearing Deposit Share
Current: 15.46% · Tier avg: 21.05%
40
40th pctile
Total Deposits
Current: $714.3M · Tier avg: $1.2B
41
41th pctile
Return on Assets
Current: 1.02% · Tier avg: 1.16%
41
41th pctile
Total Assets
Current: $878.0M · Tier avg: $1.4B
60
60th pctile
Efficiency Ratio
Current: 59.00% · Tier avg: 62.63%
91
91th pctile
Tier 1 Capital Ratio
Current: 18.94% · Tier avg: 10.24%
97
97th pctile
Loan-to-Deposit Ratio
Current: 48.53% · Tier avg: 83.06%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%