Oak View Bankshares, Inc. Announces Strong Third Quarter Performance

WARRENTON, VA / ACCESS Newswire / October 16, 2025 / Oak View Bankshares, Inc. (the "Company") (OTCID:OAKV), parent company of Oak View National Bank (the "Bank"), reported net income of $1.8 for the quarter ended September 30, 2025, compared to net income of $1.5 million for the quarter ended September 30, 2024. Net income for the nine months ended September 30, 2025, was $5.2 million, compared to $4.6 million for the nine months ended September 30, 2024.

Basic and diluted earnings per share were $0.52 per share for the quarter ended September 30, 2025, compared to $0.50 for the quarter ended September 30, 2024. Basic and diluted earnings per share for the nine months ended September 30, 2025, were $1.56 compared to $1.57 for the nine months ended September 30, 2024.

Michael Ewing, CEO and Chairman of the Board, said, "We are proud of our third quarter and year-to-date results. We are humbled to have the #1 deposit market share for community banks in the markets we serve. Your trust is our most precious resource - and we are fiercely committed to earning it every day." Mr. Ewing continued "The hard work of your talented team and the support of our communities are the reasons for our success. As always, our strong performance reflects our commitment to striking the optimal balance among safety and soundness, profitability, and growth. Your Company's future is bright."

Selected Highlights:

• Return on average assets was 0.9% and return on average equity was 15.1% for the quarter ended September 30, 2025, compared to 0.9% and 16.2%, respectively, for the quarter ended September 30, 2024. Return on average assets was 0.9% and return on average equity was 15.7% for the nine months ended September 30, 2025, compared to 1.0% and 18.1%, respectively, for the nine months ended September 30, 2024.

• Total assets were $842.2 million on September 30, 2025, compared to $694.4 million on December 31, 2024, an increase of $147.7 million.

• Total loans were $341.8 million on September 30, 2025, compared to $321.0 million on December 31, 2024, an increase of $20.8 million.

• The total amortized cost of debt securities was $441.3 million on September 30, 2025, compared to $297.8 million on December 31, 2024, an increase of $143.6 million.

• Total deposits were $707.2 million on September 30, 2025, compared to $588.8 million on December 31, 2024, an increase of $118.4 million.