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Oak View National Bank

IDRSSD: 3816190
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 2 alerts active.

Summary

RSSD 3816190 held $924.5M in total assets as of 2026-03-31 (+5.3% quarter-over-quarter). Total loans stood at $359.2M (+3.6% QoQ) and total deposits at $720.5M (+0.9% QoQ).

Overall position is adequate — the composite Health Score is 64/100 (Adequate). Tier 1 / RWA stands at 17.35%, in the top quartile of peers. Asset quality (NPL ratio) sits in the top quartile of peers.

2 Quarterly Anomaly Alerts fired this quarter. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
64/100
Adequate
Active Alerts
2
0 critical, 1 warning
Total Assets
$924.5M
+5.3% QoQ
Total Loans
$359.2M
+3.6% QoQ
Total Deposits
$720.5M
+0.9% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
17.35%
75th pctile · n=329↑ better
-160 bp QoQ
CET1 / RWA
17.35%
84th pctile · n=500↑ better
-159 bp QoQ
Total RBC / RWA
18.15%
73th pctile · n=329↑ better
-164 bp QoQ
Tier 1 Leverage Ratio
17.35%
84th pctile · n=500↑ better
-159 bp QoQ

Liquidity

Cash / Assets
4.80%
35th pctile · n=500↑ better
+92 bp QoQ
Loans / Deposits
49.85%
5th pctile · n=498↓ better
+132 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
0.01%
9th pctile · n=500↓ better
NPA / Assets
0.00%
8th pctile · n=500↓ better
Texas Ratio (regulatory)
0.03%
8th pctile · n=500↓ better
Net Charge-Offs / Avg Loans
0.00%
37th pctile · n=500↓ better
ALLL Coverage of NPL
12915.38%
98th pctile · n=500↑ better

Earnings

Net Interest Margin
2.75%
5th pctile · n=500↑ better
-18 bp QoQ
Return on Assets
1.00%
33th pctile · n=500↑ better
-10 bp QoQ
Return on Equity
11.50%
45th pctile · n=500↑ better
-144 bp QoQ
Efficiency Ratio
59.75%
45th pctile · n=500↓ better
-29 bp QoQ
Pre-tax NOI / Avg Assets
1.13%
28th pctile · n=500↑ better
-7 bp QoQ

Funding

Brokered / Deposits
19.22%
94th pctile · n=498↓ better
-223 bp QoQ
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
14.48%
97th pctile · n=500↓ better
+472 bp QoQ

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
51.52%
98th pctile · n=500↑ better
-122 bp QoQ
AFS Securities / Assets
50.07%
98th pctile · n=500↑ better
-125 bp QoQ
HTM Securities / Assets
1.46%
78th pctile · n=500↑ better
+4 bp QoQ

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-14 10:46:12 UTC