Oak View National Bank vs Farmers&Merchants Bk Craig C
Side-by-side bank health comparison using FDIC financial data
Oak View National Bank (A) and Farmers&Merchants Bk Craig C (A) are close on the BankHealth rubric. Asset bases: $630M versus $89M.
With grades this close, the choice between banks turns more on product fit, branch convenience, rates, and digital experience than on rubric-driven safety differences.
Verdict
Oak View National Bank has a stronger Bank Health Score of 98/100 (A) compared to Farmers&Merchants Bk Craig C at 96/100 (A), a difference of 2 points. Oak View National Bank holds a Tier 1 capital ratio of 15.3% and an NPL ratio of 0.01%.
| Metric | Oak View National Bank | Farmers&Merchants Bk Craig C |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 98/100 (A)* | 96/100 (A) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 15.3% | 16.6%* |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.0%* | 0.2% |
| Liquidity Ratio Cash and liquid assets vs obligations | 45.6%* | 42.3% |
| Return on Assets Profitability metric (above 1% is strong) | 1.4%* | 1.2% |
| Total Assets | $630M | $89M |
| Total Deposits | $528M | $74M |
| Location | Warrenton, Virginia | New Castle, Virginia |
Oak View National Bank has a stronger Bank Health Score of 98/100 (A) compared to Farmers&Merchants Bk Craig C at 96/100 (A), a difference of 2 points. Oak View National Bank holds a Tier 1 capital ratio of 15.3% and an NPL ratio of 0.01%.