| Metric | Oak View National Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +24.9% | +4.9% | +20.0 pts |
| Deposit growth (YoY) | +7.5% | +4.3% | +3.2 pts |
| Loan growth (YoY) | +17.0% | +5.3% | +11.7 pts |
| ROA | 0.93% | 1.28% | -0.3 pts |
| ROE | 10.7% | 12.4% | -1.7 pts |
ROA ranks in the 27th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $966.1M | $693.0M | $388.1M | $84.1M | $4.3M | 0.93% | 2.72% | 0.00% |
| Q1 2026 | $924.5M | $720.5M | $359.2M | $75.9M | $2.2M | 1.00% | 2.75% | 0.00% |
| Q4 2025 | $878.0M | $714.3M | $346.7M | $80.1M | $7.9M | 1.01% | 2.98% | 0.00% |
| Q3 2025 | $842.1M | $707.3M | $338.6M | $65.4M | $5.7M | 1.00% | 2.99% | 0.00% |
| Q2 2025 | $773.2M | $644.6M | $331.6M | $61.0M | $3.7M | 1.01% | 3.03% | 0.00% |
| Q1 2025 | $731.3M | $625.1M | $324.6M | $52.4M | $1.6M | 0.91% | 2.98% | 0.00% |
| Q4 2024 | $694.4M | $589.0M | $317.5M | $51.9M | $6.8M | 1.05% | 3.06% | 0.00% |
| Q3 2024 | $676.3M | $569.7M | $319.3M | $50.9M | $5.1M | 1.08% | 3.09% | 0.00% |
Loan mix (Q2 2026): real estate $345.8M · commercial $37.7M · consumer $8.0M · securities $508.0M
| Ratio | Oak View National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.93% | 1.28% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 10.7% | 12.4% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.72% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.2% | 61.2% | 47th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Oak View National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Oak View National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Oak View National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Oak View National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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