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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southeast · Virginia, the state note

Oak View National Bank

Warrenton, Virginia · $966M in assets · beside the 11 other Virginia banks between $300M and $1B

The filing

0.01%
NPA / loans
1st of 12
144.3x
Coverage of noncurrent
1st of 12
56.5%
Loans / deposits
2nd of 12

Oak View National Bank is the largest of the 12 Virginia banks nearest its size between $300M and $1B, with $966M in assets at 30 June 2026. Loans are 56.5% of deposits, 2nd of 12 against a median of 85.7%, and equity is 8.7% of assets, 11th of 12. Loans grew +17.0% in the year, 2nd of 12, and deposits grew 7.5%; the cohort's median loan growth is +7.2%.

Noncurrent loans are 0.01% of the book, the lowest in the cohort against a median of 0.22%; 0.00% is 30 to 89 days past due, and the allowance covers them 144.3 times. Commercial real estate is 19.5% of loans, 5th of 12 against a median of 24.6%, and 92% of capital, below the 300% screen, with construction at 30% against the 100% screen.

Return on assets is 0.88%, 11th of 12 against a median of 1.42%, on an efficiency ratio of 60.2%, 7th of 12. Five years ago it was 0.63%. The question this shape raises is what the liquidity earns, and what a rate path does to the securities book and the deposit base.

Nonperforming loans, share of loansVA banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 0.22% OV Oak View National Bank 0.01% TB Trupoint Bank 0.02% PB Pioneer Bank 0.03% Bo Bank of Southside Virginia 0.08% FS First Sentinel Bank 0.11% PV Powell Valley National Bank 0.21% CB Citizens Bank & Trust Co. 0.23% Bo Bank of Botetourt 0.25% NP New Peoples Bank Inc 0.45% FB Farmers Bank of Appomattox 0.59% SB Select Bank 1.06% Bo Bank of Marion 1.12%
Loans, year over yearVA banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +7.2% TB Trupoint Bank +50.6% OV Oak View National Bank +17.0% Bo Bank of Botetourt +10.2% Bo Bank of Marion +10.0% FB Farmers Bank of Appomattox +9.6% PB Pioneer Bank +8.6% PV Powell Valley National Bank +5.8% NP New Peoples Bank Inc +5.4% SB Select Bank +5.0% CB Citizens Bank & Trust Co. +5.0% FS First Sentinel Bank +0.8% Bo Bank of Southside Virginia -11.3%

SBA 7(a), FY2008 to FY2026

Oak View National Bank is the 183rd largest 7(a) lender into Virginia of 332, with $3M across 15 loans, 0.0% of everything approved in the state (Live Oak Banking Company leads with $669M). 2 of its 3 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Virginia, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Fauquier, VA$2M9th of 413.7%+4.7 pts
Chesterfield, VA$339K61st of 770.1%quiet FY2021
Prince William, VA$300K90th of 1050.1%quiet FY2022
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Construction2$500K18.1%0.00%1461st of 2,063
Accommodation & food services1$500K18.1%0.00%1912th of 2,596
Health care & social assistance2$489K17.7%0.00%1472nd of 2,172
Other services2$450K16.3%0.00%1519th of 2,248
Professional & technical services1$250K9.0%0.00%1493rd of 1,955
7(a) lenders into Virginia, share of approvals since FY2008332 lenders on record; the ten largest and Oak View National Bank
LO Live Oak Banking Company 9.2% $669M · 493 loans TB Truist Bank 6.8% $497M · 1,580 loans WF Wells Fargo Bank National Associa… 5.0% $365M · 1,549 loans AU Atlantic Union Bank 4.0% $294M · 765 loans Ma Manufacturers and Traders Trust C… 3.5% $254M · 1,602 loans TH The Huntington National Bank 3.0% $219M · 454 loans FN First National Bank of Pennsylvan… 2.4% $176M · 195 loans PB Primis Bank 2.4% $175M · 522 loans G Gbank 2.3% $170M · 69 loans TF The First Bank and Trust Company 2.2% $161M · 227 loans OV Oak View National Bank 0.0% $3M · 15 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 4 CBLR filers; owner-occupied excluded; bold marks a screen met
Oak View National BankRankCohort median
Total CRE against capital, the 300% screen92%6th of 12135%
Construction against capital, the 100% screen30%5th of 1246%
Construction and land development, share of loans6.4%4th of 128.0%
Non-owner-occupied nonfarm nonresidential, share of loans12.2%8th of 1211.6%
Total CRE, the guidance definition, share of loans19.5%5th of 1224.6%
CRE growth over 36 months, the third prong+21.0%3rd of 12+40.9%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Oak View National Bank$966M0.9%60.2%0.01%0.00%0.9%56.5%8.7%
New Peoples Bank Inc$942M1.4%61.3%0.45%0.06%1.1%88.6%10.4%
Bank of Botetourt$939M1.8%52.9%0.25%0.05%1.1%95.3%10.8%
Trupoint Bank$691M1.1%70.8%0.02%-0.11%1.2%78.6%9.3%
Bank of Southside Virginia$670M3.7%36.3%0.08%-0.01%1.4%55.0%20.9%
Bank of Marion$634M1.4%63.1%1.12%0.14%0.9%82.0%9.2%
Citizens Bank & Trust Co.$578M2.1%46.9%0.23%0.00%1.3%59.4%14.4%
Select Bank$524M1.2%55.4%1.06%0.00%0.8%102.5%8.3%
Powell Valley National Bank$516M2.2%54.1%0.21%-0.01%1.3%88.8%10.4%
First Sentinel Bank$398M0.9%69.7%0.11%0.33%1.0%97.0%10.1%
Farmers Bank of Appomattox$375M1.0%71.9%0.59%0.52%0.6%82.9%10.8%
Pioneer Bank$372M2.7%44.9%0.03%-0.04%0.8%97.9%11.7%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Oak View National BankCohort median
20212026Change20212026Change
Loans$245M$392M+60%$262M$400M+52%
Deposits$270M$693M+156%$410M$487M+19%
NPA / loans0.01%0.01%+0.00 pts0.51%0.22%-0.29 pts
Efficiency79.0%60.2%-18.8 pts69.9%57.8%-12.1 pts
ROA0.63%0.88%+0.26 pts0.91%1.42%+0.52 pts

This read was prepared for Oak View National Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Oak View National Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort VA banks $300M to $1B
Institution WWW.OAKVIEWBANK.COM

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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