Why We Love Oak View

Oak View National Bank, an independent and locally owned community bank, is proud to offer a full range of financial services for commercial and retail customers as well as not-for-profit entities. Oak View believes in listening to the needs of its customers, understanding the community's financial needs, and responding fully by supporting individuals, small businesses, and local nonprofit organizations. Oak View has locations in Warrenton, Marshall and Culpeper, Virginia.

Community Banks build better communities.

  • Community banks focus attention on the needs of local families, businesses and community organizations. Conversely, many of the nation's megabanks are structured to place a priority on serving large corporations. Their corporate structure does not lend itself to providing local service at the community level.

  • Unlike many larger banks that take deposits in one state and lend in another, community banks channel most of their loans to the neighborhoods where their depositors live and work, helping to keep local communities vibrant and growing.

  • Community bank officers are generally accessible to their customers on-site. CEOs at megabanks are often headquartered in office suites and detached from daily customer dealings.

  • Community bank officers are typically deeply involved in local community affairs, and contribute to the well-being of the community and its residents.

  • Many community banks are willing to consider character, family history and discretionary spending in making loans. Big banks, on the other hand, often apply impersonal qualification criteria such as credit scoring to all loan decisions without regard to individual circumstances. Exceptions to policy at big banks are stringently reviewed by someone far away that does not know anything about the individual.

  • Community banks offer nimble decision -making on business loans because decisions are made locally by people who are more familiar with the circumstances. Megabanks must often convene loan approval committees in another state. Community banks can react quickly when needed.

  • Because community banks are themselves small businesses, they understand the needs of the small business owner. Their core concern is lending to small businesses, farms, and community organizations. Even though they compose just 10 percent of the banking industry by assets, community banks with less than $1 Billion in assets made 37.5 percent of outstanding loans to small businesses. The core concern of the mega banks is corporate America and they jump in and out of small business lending at opportunistic times.

  • Community bank employees live locally and plan to build a career for a life-time. Their job is not a stepping stone to a better job somewhere else within a large organization. Community bank employees take time to listen to their clients and build long term relationships, which helps build better communities. All decisions are made locally by people who value their reputation and try to reach financial solutions that are mutually beneficial to the bank and to the customer. Stop in and experience the difference found at Oak View National Bank where clients are treated like a neighbor not a number. Passionate community banking builds better communities.

  • Community banks offer a wide range of banking products and services designed to meet the needs of consumers and businesses and community organizations including:
    • Anytime, anywhere electronic banking
    • Automated teller machines, often with little or no service charges
    • Credit and debit cards with competitive rates and features
    • Competitive mortgage and consumer loan products
    • Competitive checking and saving products and rates, and
    • Small business and agricultural lending.

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Oak View National Bank, an independent and locally owned community bank, is proud to offer a full range of financial services for commercial and retail customers as well as not-for-profit entities. Oak View believes in listening to the needs of its customers, understanding the community's financial needs, and responding fully by supporting individuals, small businesses, and local nonprofit organizations. Oak View has locations in Warrenton, Marshall and Culpeper, Virginia.

 
Friday, February 24, 2017