Old Dominion National Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Old Dominion National Bank spends more to run itself than most banks of its size. Its balance sheet stood at $1.8 billion at June 30, 2026, up 20.6% from a year earlier; it is based in North Garden, Virginia. It earns about $0.54 a year on every $100 of assets, about half the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. It also grew deposits 21.7% over the year, 4.3 times the median of 5.1% for banks its size.
Deposits are coming in faster than loans: over the year loans rose 8.2% and deposits rose 21.7%. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.85% of loans, down from 1.10% a year earlier. Its margin is thin by comparison: it keeps 3.06 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.71 cents).
As of June 30, 2026, Old Dominion National Bank reported a CET1 capital ratio of 13.99%, a return on assets of 0.54%, a nonperforming-loan ratio of 0.85% and a Texas ratio of 5.70%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 852 W Main St, North Garden, VA 22903
- County
- Charlottesville City
- Metro Area
- Charlottesville, VA
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- July 23, 2007
- Offices
- 6 domestic
- Employees (FTE)
- 102
- Domestic deposits
- $1.50B
- Allowance for credit losses
- $12.4M
- Net charge-offs (YTD)
- $1.8M
- Average total assets
- $1.66B
- Average total loans
- $1.34B
- Average interest-bearing deposits
- $1.06B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 23, 2007
- FDIC Cert
- 58504
- Fed RSSD
- 3610718
- SEC CIK
- 1947463 → filed by ODNB FINANCIAL CORPORATION
- Website
- https://www.odnb.bank →
- Parent Holding Company
- ODNB FINANCIAL CORPORATION (RSSD 5727601) · NACB
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point. Net interest margin is the UBPR's tax-equivalent figure over the UBPR's own average earning assets. FDIC BankFind's is not tax-equivalent and divides by the average of quarter-end earning assets including the prior year-end, so after a merger FDIC's margin can differ from ours by several tenths of a point.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Old Dominion National Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Old Dominion National Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Old Dominion National Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.99% | 0.54% | 0.85% | 5.70% | 3.06% |
| Q1 2026 | 14.08% | 1.07% | 1.35% | 8.91% | 2.98% |
| Q4 2025 | 13.61% | 0.87% | 1.01% | 6.91% | 3.05% |
| Q3 2025 | 12.61% | 0.76% | 1.09% | 8.11% | 2.95% |
| Q2 2025 | 12.23% | 0.59% | 1.10% | 8.39% | 2.76% |
| Q1 2025 | 12.48% | 0.67% | 0.00% | 0.00% | 2.78% |
| Q4 2024 | 12.67% | 0.76% | 0.00% | 0.00% | 2.76% |
| Q3 2024 | 12.72% | 0.49% | 0.13% | 0.97% | 2.68% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 6 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Tysons Corner Branch | Vienna , VA | 22182 | $933.1M |
| Centre 1st Bank, A Division of Old Dominion National Bank | State College , PA | 16803 | $230.2M |
| Leesburg Branch | Leesburg , VA | 20175 | $218.1M |
| Scottsville Branch | Scottsville , VA | 24590 | $73.4M |
| Old Dominion Nb-Boca Raton Branch | Boca Raton , FL | 33487 | $20.8M |
| Old Dominion National Bank (main office) | Charlottesville , VA | 22903 | $20.1M |
Regulatory record
What the public regulatory sources show for Old Dominion National Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (OCC)
- June 28, 2010, OCC: Formal Agreement: Old Dominion National Bank
- Period: Most recent institution action June 28, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.4% of deposits in VA, rank 30 of 105 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 148 applications, 140 loans originated, $131.5M originated, across 10 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- Not on file: no SBA 7(a) loans matched
- Period: not on file. Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Old Dominion National Bank
What are Old Dominion National Bank's total assets?
As of the Q2 2026 filing, Old Dominion National Bank reported total assets of $1.80 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Old Dominion National Bank headquartered?
Old Dominion National Bank is headquartered in North Garden, VA, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Old Dominion National Bank founded?
Old Dominion National Bank was established in 2007, per the FDIC institution directory.
Is Old Dominion National Bank FDIC-insured?
Yes. Old Dominion National Bank is an FDIC-insured commercial bank (FDIC Certificate #58504). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Old Dominion National Bank?
Old Dominion National Bank's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Old Dominion National Bank's CET1 capital ratio?
Old Dominion National Bank reported a Common Equity Tier 1 (CET1) capital ratio of 13.99% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Old Dominion National Bank operate?
Old Dominion National Bank operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Old Dominion National Bank's Texas Ratio?
Old Dominion National Bank's Texas Ratio is 5.70% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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