Oak View National Bank

What Oak View National Bank does

Oak View National Bank is a community bank founded in 2000 and headquartered in Marshall, Virginia, with branches and offices serving the Fauquier, Culpeper, and Rappahannock county region of Northern Virginia's Piedmont area. The bank operates under bank holding company Oak View Bankshares, Inc. (parent since the December 2021 reorganization), which trades on the OTC Pink Market under the symbol OAKV. Oak View provides a full-service community banking platform spanning personal banking (Kasasa Cash, Kasasa Cash Back, Oak View Free Checking, Premier Checking, Opportunity Checking, savings, money market, retirement accounts, CDs/CDARS, home mortgages, home construction, farm and investment property financing, home equity, consumer loans, and debit/credit cards), business banking (business checking, treasury management including ACH origination, Remote Deposit Capture, and Merchant Card Services, ICS/CDARS, and business lending), and specialized non-profit/municipal services (church loans, municipal leasing, non-profit deposit accounts).

The bank's underlying technology is conventional community banking infrastructure — an online banking platform, a mobile banking application with self-service card freeze and mobile deposit, eStatements, wire transfer capability (ISO 20022-compliant as of July 2025), and standard bank security systems — with no developer-facing API. Card access is provided through the STAR Network for surcharge-free ATMs, and check reordering is handled via a Main Street Checks partnership.

The bank earns revenue primarily through net interest income from commercial, residential, and consumer lending and a securities portfolio, supplemented by non-interest income from deposit account fees, debit card interchange, wire transfer fees, mortgage origination, and securities gains. Customer acquisition leans on community-led go-to-market motion — multi-channel marketing via website, social media, fraud prevention content, investor relations, and earned media — amplified by physical branch presence and word-of-mouth referral in the bank's defined Virginia geography. Capital returns are an explicit component of the model, with an annual $0.35 per share dividend declared in January 2026 and a $1.4 million share repurchase program authorized in April 2026.

Name

Oak View National Bank

Legal name

Oak View National Bank

Website

https://oakviewbank.com

Company type

Public

Founded year

2000

Operating status

Operating

Headcount range

11–50 employees

Short description

Oak View National Bank is a community bank serving Fauquier, Culpeper, and Rappahannock counties in Virginia, offering personal, business, and non-profit banking products including deposit accounts, loans, mortgages, treasury management, and specialized church and municipal financing through multiple branches and digital channels.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221)

SIC

National Commercial Banks (6021)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industries

Bank Branch / Retail Purchase Mortgages (FSALAAAA), Financial Inclusion & Basic Banking (Unbanked/Underbanked, Low-Fee Accounts) (FSABAAAL)

Keywords

• Community banking
• Personal banking services
• Commercial lending
• Treasury management
• Retail deposit products

Headquarters

HQ city

Warrenton

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

1. Net Interest Income: Interest income from loan portfolio (commercial real estate, residential mortgages, consumer loans) and investment securities minus interest paid on deposits. Primary revenue driver representing the core banking business.
2. Non-Interest Income: Fees from deposit accounts, interchange income from debit cards, wire transfer fees, mortgage loan origination fees, gains on sales of available-for-sale securities, and other banking service charges.
3. Capital Returns: Dividend payments to shareholders and share repurchases under authorized programs. Company declared $0.35 per share annual dividend in January 2026.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Oak View National Bank is a Virginia-based community bank offering deposit products (checking, savings, CDs, money market, IRAs), consumer lending (mortgages, home equity, personal loans, credit cards), business banking (commercial checking, lending, treasury management with ACH origination and remote deposit capture), and specialized non-profit lending (church loans, municipal leasing). The bank distributes these products through physical branches in Fauquier, Culpeper, and Rappahannock counties and through online/mobile banking channels.

Product overview

Oak View National Bank offers a comprehensive community banking platform serving personal, business, and non-profit customers in Virginia. The product portfolio centers on core deposit products (checking, savings, CDs, money market accounts) under brands like Kasasa Cash and Kasasa Cash Back, complemented by lending products (consumer loans, mortgages, home equity, business lending, and specialized church/municipal loans). Digital banking services include online/mobile banking, treasury management, wire transfers, and card freeze features. The bank also provides ancillary services such as eStatements, fraud prevention resources, and ATM access through the STAR Network. The offering operates as a unified community banking platform rather than a modular architecture, with products distributed across personal banking, business banking, and non-profit segments.

Differentiator

Problem solved

Functional benefit

Products and services

• Kasasa Cash
• Kasasa Cash Back
• Oak View Free Checking
• Premier Checking
• Opportunity Checking
• Kasasa Saver
• Personal Savings, CDs and CDARS
• Personal Money Market
• Retirement Accounts (IRAs)
• Home Mortgages and Refinances
• Home Construction Lending
• Farm and Investment Property Mortgages
• Home Equity Loans and Lines of Credit
• Consumer Loans
• Debit Cards
• Credit Cards
• Limited CD Offer (Promotional 9-Month CD)
• Business Checking
• Business Savings, CDs and CDARS
• Business Money Market
• Business Lending
• Treasury Management Services
• ICS and CDARS (Business)
• Church Loans
• Municipal Leasing Program
• Non-Profit Checking
• Non-Profit Savings and CDs
• Non-Profit Money Market
• Wire Transfer Services

Quantifiable outcome

• Return on average equity exceeded 12% for 14 consecutive quarters
• +2 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Partnerships

Two partnerships are on record, tiered minor.

• Williams MullenminorImplementation/ SI/ Consulting Partner · 20 October 2025Served as legal counsel to the Company for the $10 million subordinated notes offering.
• Troutman Pepper Locke LLPminorImplementation/ SI/ Consulting Partner · 20 October 2025Served as legal counsel to the placement agent for the $10 million subordinated notes offering.

Scale indicators9 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Blue Ridge Bankshares: Virginia-based community bank holding company of similar size with comparable focus on regional deposit gathering and relationship-based lending, making it one of the closest direct comps to Oak View in scale, footprint, and operating model.
• Virginia National Bankshares: Small Virginia community bank holding company (Virginia National Bank) operating in central and northern Virginia, with a similar community banking model, comparable asset size, and analogous product suite including mortgages and commercial lending.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/OakViewBank
• YouTubeyoutube.com/@OakViewNationalBank
• Facebookfacebook.com/OakViewNationalBank
• LinkedInlinkedin.com/company/oak-view-national-bank
• Instagraminstagram.com/oakviewbank

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles13 records

Funding overview

Funding rounds1 record

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Oak View National Bank