# OAK VIEW NATIONAL BANK
WARRENTON, VA · FDIC certificate 58827 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $966.1M | |
| Deposits | $693.0M | |
| Loans and leases | $391.7M | |
| Total equity | $84.1M | |
| Loans / deposits | 56.00% (p9 of band) | 82.04% |
| Liquid assets / assets | 55.20% (p95 of band) | |
| Uninsured deposits / deposits | 30.07% (p67 of band) | 25.97% |
| Brokered deposits | 9.73% | |
| Wholesale funding | 28.66% (p97 of band) | |
| FHLB advances / assets | 5.16% | |
| Tier 1 leverage | 8.16% (p3 of band) | 10.81% |
| Unrealized securities loss / equity | 5.66% (p100 of band) | -8.10% |
| AOCI / equity | 2.06% (p98 of band) | |
| ROA (annualized) | 0.93% (p28 of band) | 1.28% |
| Net interest margin | 2.72% (p5 of band) | 3.91% |
| Efficiency ratio | 60.21% (p47 of band) | |
| Noncurrent loans | 0.01% (p10 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p36 of band) | |
| Reserve coverage of noncurrent | 14428.00% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 29.64% (p36 of band) | |
| Auto loans | $1.4M (0.36% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 7.5% | |
| Employees | 70 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, expense ratio p90 |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 3 | capital falling |  |
| 2011-12 | 2 |  | capital falling |
| 2012-03 | 0 |  | losing money, expense ratio p90 |
| 2012-06 | 1 | capital falling |  |
| 2012-09 | 1 | loans exceed deposits | capital falling |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | loans exceed deposits |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | uninsured deposits leaving |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 0 |  | uninsured deposits leaving |
| 2016-06 | 3 | loans exceed deposits, capital falling, uninsured deposits leaving |  |
| 2016-09 | 2 |  | uninsured deposits leaving |
| 2016-12 | 0 |  | loans exceed deposits, capital falling |
| 2017-03 | 1 | loans exceed deposits |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 3 | capital falling, uninsured deposits leaving |  |
| 2018-03 | 3 | liquid assets <10% | uninsured deposits leaving |
| 2018-06 | 2 |  | liquid assets <10% |
| 2018-09 | 2 |  |  |
| 2018-12 | 1 |  | capital falling |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 | capital falling | loans exceed deposits |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 1 | loans exceed deposits |  |
| 2020-09 | 0 |  | loans exceed deposits |
| 2020-12 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2021-03 | 0 |  | loans exceed deposits, liquid assets <10% |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | capital falling |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 0 |  | capital falling |
| 2023-06 | 0 |  |  |
| 2023-09 | 2 | wholesale funding >15%, capital falling |  |
| 2023-12 | 1 |  | capital falling |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 2 | brokered >10% |  |
| 2024-12 | 3 | capital falling |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 2 |  | capital falling |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 2 | capital falling | brokered >10% |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-30 [Oak View Bankshares, Inc. Announces Second Quarter Earnings - Morningstar](https://news.google.com/rss/articles/CBMisgFBVV95cUxQVVFGSjlBOFoxMXphazVLR0tiN3o3Y3ZfdGFPbHRNSG1hY3BnMWZQaDU4cFNvejdVT05hYWl1VkZvRGhBV2RoX2RwRm95NE1pU2tuU3RldVE4YmRndHB4NUJMRnJ3ZDVKZXZ2Q3BONi1ScFVKR3hXWUt1SVpqUmNiZndTNVZ0bHJieUlrX1RESnV2Y1l1OXBtOXpwTlplZXRkS0hOM1BjOVRCU1VKbjJJdTBB?oc=5) · Morningstar
- 2026-02-09 [Oak View Bankshares reports strong 2025 growth, declares div... - FauquierNow](https://news.google.com/rss/articles/CBMijwFBVV95cUxPa2xUUDRSU2JXVWdvZUVMS3poQ1hFTS1JNWN6bERXdXEyd0U2a1FZRjBPV3lTU0J3R3lXTXd2Ri1fWVNNZzVjY3FqRmlMbEdBeTNkTVJZYUhYTlRfLWZsZzV3VmJMOHV2VFF3eXNxQzI1SVFfX2tULVNTR0JLUTBrTXRVenNkUjMzeF9BeE0zMA?oc=5) · FauquierNow
- 2024-09-05 [Oak View National Bank opens Flint Hill branch - InsideNoVa.com](https://news.google.com/rss/articles/CBMizAFBVV95cUxPVjBnVElWU1V1SEJxQWZlS19UMzE4LXJxN2pURDBDYUUtb3ZqSVR2bDhSOC1IT2t3ZkxxZGdoV2pFZFc0cVVvdnVxYlBMTWxRS0hXVzhDcjExMUV1cm9idU04MjFFeC1PZ1pKWEl0cXgycl9yeGxIcHhKVkRoOVp5V3RkbC14YjhrWGRTeWczdVRkTFg0M0l2M0twRW80X19obzVNV2hfcUtoOV9HZlFmQVRsRWpuZDRmMVZTQnAwdkNyb2s0S3o2cFp5dlI?oc=5) · InsideNoVa.com
- 2025-05-12 [Oak View National Bank celebrates new Warrenton headquarters - FauquierNow](https://news.google.com/rss/articles/CBMijwFBVV95cUxPNXFkVGY2Vy04V2VTc2o4Rmp3NlNLemJUMEd1MC01aDNvcXB5b1FFWDZ3SXdoWkJMcUtGTzBIamg4NG8zZDdydFpDUDBvOFJSRWNRdl9QWElsM0ZRTHY2WURkalFEQU9BTUY2TDlDSkRIVEpUUmNUX1BReG81cDZMNkJJNWpZUFlEeWU5SHRuOA?oc=5) · FauquierNow
- 2025-04-26 [Oak View Bankshares, Inc. Announces Share Repurchase Authorization - ACCESS Newswire](https://news.google.com/rss/articles/CBMi3wFBVV95cUxNQWtXR210RmZtMTc5bzFHV1FZZy1YdFhnMDZLRlpGWm9haURmRlRaMzNZNExsaDl0dU1acXdpMS1EOFFKZG5RaktWRlVVcmhEV1haZkgyRmN3bkZXa2ZfZ2txWndNN0tJU2hXV3NnckZxM3RBNWZOUXRxb3BQdmg5ZFNkN3NnLVFpN3Y4SDkzRnpOdzZ1ek56RXBqZG95azZiazlES3JlU3J3MllIVXBOSFc4U1VHMzFXSF9jSUtxZGpMdUN5U0FmUzFkcXVuYVVtTjhiT1Z4aVZRU0lzcGxz?oc=5) · ACCESS Newswire
- 2024-07-27 [Oak View announces new Flint Hill bank branch will open in September - InsideNoVa.com](https://news.google.com/rss/articles/CBMi6gFBVV95cUxNcE1hRENJMGRmeWsyZjkzalZpcTBTREV2LVY4bmMxTHRYLXJyMVhaSjk0WEF6Ulo0Qll5ZkRwTHBlWGo4QUVlRFl5RVlPejJGZXpGVzJaeDBtVmprY0F5eEhNam1naWtKNVlyMVgyZzJpdnVtNFdPdk85V3JvT19xQTQ5NlBza092d2QtWHVhYzcyMnlBX2tVZVNJVmlUWmxpY2lIY3JmNzNyTXZFUFM0QUFaM0RDMzhvd1JiQjZjOVo5bW9oZktwS3JTMUdPX0FjTndlVEVvbC1KNG1oSTV1blhmQUpXdnRzdXc?oc=5) · InsideNoVa.com
- 2025-08-14 [Oak View National Bank names Angela 'Kellie' Post to board - FauquierNow](https://news.google.com/rss/articles/CBMijwFBVV95cUxOUE9xQWJnb2cwNzJvbHpaRWFYS1F6VDR3bTlFM2k1dUVORHFEZnFuR2VFa19GUjJPNDNkVlR0aTdQZE9mUlhqMDh3UTc4c09PU3QzdFZ0MXVURXRVTkxGN3dWOTBiRGRoTVRPS3hTQU95X1JORENIV0pBX2xHUTRFUlkzN1ZvQmxEVTRNMEo1OA?oc=5) · FauquierNow
- 2022-10-14 [Warrenton Town Council approves drive-thru at Oak View Bank's new building on Waterloo Street - FauquierNow](https://news.google.com/rss/articles/CBMijwFBVV95cUxQSnpWWWcxVHd4bi1JeS1qUHAyM3UwLUFWV3VxcDNhYmJGVWs4MHN6bnJBQnhsM0hIQ1ZLeGF5aVRWQVBDOHM5TmJzRnJMZHg0cWM5WWpTWG16S3IzU0JzZ3pwUXBILVA3VlhabXZpdENSRnZvTDRLRk9yYUlXN0g4anY1SWF0OEdoUk80dGcyQQ?oc=5) · FauquierNow

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58827 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/11.json (key "58827", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide