Major Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.6). Good current capitalization (6.2 on a scale of 0 to 10) based on a risk-based capital ratio of 17.5 and a capital leverage ratio of 8.2.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.9 has resulted in Fair (4.3) profitability.
Asset Mix:
Securities (53%), home mtgs (16%), comm re (13%), comm loans (4%), cash (3%), home eq lns (3%), consumer loans (1%), other (8%)
States with Branches:
VA
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Oak View Bankshares, Inc.
Investment Rating
--
Address
340 Waterloo Street
Warrenton, VA 20186
Warrenton, VA 20186
Phone Number
(540) 359-7100
Year Founded
2009
FDIC Number
Website
Largest Affiliates
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