Oak View Bankshares Business Summary

Oak View Bankshares, Inc. (OAKV) operates as the bank holding company for Oak View National Bank, a community-oriented financial institution serving the Northern Virginia markets of Fauquier, Culpeper, and Rappahannock counties. The company generates revenue primarily through net interest income, derived from a diverse portfolio of commercial, real estate, and consumer loans funded by local deposits, supplemented by noninterest income from service charges and investment security gains. Its business segments are centralized under a single community banking umbrella, focusing on small businesses, non-profits, and professionals through a relationship-based model. Oak View competes directly with regional and community players such as United Bank, Burke & Herbert Bank, MainStreet Bank, and Virginia National Bank; it distinguishes itself through a high-touch service model and superior earnings-per-share growth, maintaining a dominant deposit market share among community banks in its core geographic footprint. The leadership team is anchored by Chairman and CEO Michael A. Ewing, a founding member of the bank with over 45 years of industry experience, including executive roles at Marshall National Bank and Trust Company. He is supported by President and Chief Credit Officer Kevin A. Lee, a seasoned executive with three decades of expertise in commercial lending and credit culture management. The executive suite also includes Executive Vice President and CFO Tammy P. Frazier, who brings extensive risk management and accounting pedigree from her tenure at Middleburg Bank and The Fauquier Bank, and EVP and COO Colin D. Borgstrom, who has overseen the bank’s operational infrastructure since 2009. Notable governance is provided by a board that includes Mark J. Ohrstrom, President and CIO of Larkspur Management, reflecting a strong institutional and insider ownership base that exceeds 11%.