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Old Dominion National Bank

$1B-$10B Specialty: Commercial VA FDIC cert 58504

Designations: ✓ Community bank

Charlottesville, VA

6 branches across VA · FL · PA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 23 in VA.
  • Deposits +21.7% year over year ($1.5B on the books).
  • Delinquency rate 0.86%.
  • Return on assets 0.78%.
  • Efficiency ratio 61.36% vs a 59.73% peer average.
  • Loan-to-deposit ratio 90.66% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 23 in VA
View $1B-$10B leaderboard (VA) →

Old Dominion National Bank faces 5 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 29.9% in tier
  • - Non-Interest Income / Assets 0.45% below tier average
  • - ROA 0.61% below tier average
  • - Net Interest Margin 0.85% below tier average
  • - Efficiency Ratio 1.63% above tier average
Get updates when Old Dominion National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Total Assets ? $1.8B
+20.6% YoY +10.8% QoQ
-$997.9M $2.8B
-0.6% YoY
$17.9B
+3.0% YoY
$6.3B
+7.7% YoY
45%
Total Loans ? $1.4B
+8.3% YoY +2.8% QoQ
-$607.2M $2.0B
-0.3% YoY
$10.9B
+3.1% YoY
$3.2B
+9.4% YoY
49%
Total Deposits ? $1.5B
+21.7% YoY +13.0% QoQ
-$823.1M $2.3B
-0.5% YoY
$14.1B
+3.2% YoY
$4.9B
+7.3% YoY
46%
Return on Assets ? 0.78%
+26.5% YoY -26.6% QoQ
-0.61% 1.39%
+17.0% YoY
1.34%
+70.7% YoY
1.30%
+12.1% YoY
18%
Net Interest Margin ? 3.02%
+7.9% YoY +0.1% QoQ
-0.85% 3.87%
+6.2% YoY
3.88%
+6.6% YoY
3.95%
+4.9% YoY
15%
Efficiency Ratio ? 61.36%
-10.5% YoY +2.8% QoQ
+1.63% 59.73%
-12.6% YoY
62.24%
-10.7% YoY
70.05%
+2.5% YoY
43%
Delinquency Rate ? 0.86%
-23.1% YoY -37.0% QoQ
-0.01% 0.87%
+11.7% YoY
0.72%
+0.1% YoY
0.98%
+16.3% YoY
33%
Loan-to-Deposit Ratio ? 90.66%
-11.0% YoY -9.1% QoQ
+5.62% 85.04%
-0.1% YoY
80.15%
+0.8% YoY
79.03%
+2.3% YoY
38%
Non-Interest-Bearing Deposit Share ? 24.46%
+10.8% YoY +15.0% QoQ
+3.19% 21.27%
-1.5% YoY
26.19%
+3.5% YoY
21.98%
-0.6% YoY
70%
Nonperforming Asset Ratio ? 0.65%
-31.0% YoY -41.5% QoQ
-0.03% 0.67%
+11.7% YoY
0.52%
-0.4% YoY
0.69%
+15.8% YoY
35%
Tier 1 Capital Ratio ? 13.99%
+14.4% YoY -0.6% QoQ
-0.85% 14.84%
-0.4% YoY
16.58%
+3.9% YoY
17.09%
+0.8% YoY
63%
Non-Interest Income / Assets ? 0.07%
+10.3% YoY +100.4% QoQ
-0.45% 0.53%
+2.5% YoY
0.52%
+72.6% YoY
0.66%
+5.2% YoY
Bottom 5.0% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Noninterest-Bearing 24.5%
+2.4pp YoY
+3.2pp QoQ
 +3.1pp 21.4% 26.2% 22.2% 69%
Brokered Deposits 15.7%
-2.0pp YoY
0.0pp QoQ
 +6.3pp 9.5% 8.5% 8.5% 84%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
C&I 18.6%
+3.3pp YoY
+0.9pp QoQ
 +4.6pp 14.0% 11.0% 12.5% 77%
CRE 56.0%
-2.9pp YoY
-1.3pp QoQ
 +6.0pp 50.0% 46.9% 41.4% 66%
1-4 Family 26.1%
-0.3pp YoY
+0.5pp QoQ
 -0.3pp 26.4% 32.6% 31.3% 57%
Consumer 0.1%
0.0pp YoY
0.0pp QoQ
 -4.6pp 4.7% 8.0% 5.0% 11%

Capital

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
CET1 Ratio 14.0%
+1.8pp YoY
-0.1pp QoQ
 -1.6pp 15.6% 17.2% 19.7% 57%
Leverage Ratio 11.8%
+0.9pp YoY
-0.3pp QoQ
 +0.4pp 11.3% 12.2% 12.6% 74%
Total Capital Ratio 14.9%
+1.7pp YoY
-0.1pp QoQ
 -1.8pp 16.7% 18.3% 20.8% 54%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Full-Time Employees 102
+4 (+4.1%) YoY
-1 (-1.0%) QoQ
 -212 313 1,956 482 8%
Assets per Employee ($) $17.6M
+15.8% YoY
+11.9% QoQ
 +$7.1M $10.5M $9.9M $8.8M 93%
Branch Count 6
0 YoY
0 QoQ
 -14 20 28 18 14%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.2% 0.4% n/a
Nonaccrual 0.9%
-0.3pp YoY
-0.2pp QoQ
 0.0pp 0.8% 0.7% 1.0% 69%
Allowance Coverage 1.07x
+25.2% YoY
+56.3% QoQ
 -17.64x 18.71x 9.47x 20.23x 26%
Net Charge-off Rate (YTD) 0.3%
+0.2pp YoY
+0.3pp QoQ
 0.0pp 0.3% 0.2% 0.2% 84%

Profitability

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
ROE 7.0%
+1.1pp YoY
-2.2pp QoQ
 -5.6pp 12.6% 12.0% 11.6% 15%
Cost of Funds (YTD) 2.4%
-0.4pp YoY
-0.1pp QoQ
 +0.5pp 1.9% 1.7% 1.7% 82%
Net Income ($, YTD) $6.6M
+47.4% YoY
— QoQ
 -$12.7M $19.2M $137.1M $40.4M 20%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Strain

risk
#109 of 361 • Bottom 29.9% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 90.66%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
361 of 361 Mid-Market banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (3 metrics)

842
Non-Interest Income / Assets
revenue_mix
Value: 0.07%
Peer Median: 0.53%
#842 of 885 Bottom 5.0% in $1B-$10B
751
Net Interest Margin
profitability
Value: 3.02%
Peer Median: 3.87%
#751 of 885 Bottom 15.3% in $1B-$10B
728
Return on Assets
profitability
Value: 0.78%
Peer Median: 1.39%
#728 of 885 Bottom 17.9% in $1B-$10B
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