Institution Statistics
| Oak View National Bank | | FDIC Certificate # | 58827 | | BankRate Report | View | | Year Established | 2009 | | Employees | 28 | | Primary Regulator | OCC |
Assets and Liabilities | | Assets | $121.08 million | | Loans | $98.70 million | | Deposits | $102.13 million | | Equity Capital | $9.49 million | | Loan Loss Allowance | $1.24 million |
Historic Data - March 2011 | | Assets | $93.27 million | | Equity Capital | $8.88 million | | Loan Loss Allowance | $931,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.52% | | Return on Assets | 0.15% | | Return on Equity | 1.86% | | Interest Income | $1.31 million |
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Institution Health
Overall Score:
5 out of 5 
| Texas Ratio |  | | The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Oak View National Bank had $0 in non-current loans and owned real-estate with $10.73 million in equity and loan loss allowances on hand to cover it. This gives Oak View National Bank a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth | | | In the past year, Oak View National Bank has increased its total deposits by $18.15 million, resulting in 21.61% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Oak View National Bank has shown is excellent. | | Capitalization |  | | Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Oak View National Bank has $121.08 million in assets with $10.73 million in equity, resulting in a capitalization level of 8.86%, which is average. |
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