Bank Comparison
Banksouth vs Old Dominion National Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
15 · 9
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Banksouth | Old Dominion National Bank |
|---|---|---|
| CET1 Ratio | 13.54% | 14.08% |
| Tier 1 Capital Ratio | 13.54% | 14.08% |
| Total Capital Ratio | 14.79% | 15.01% |
| Tier 1 Leverage Ratio | 9.93% | 12.02% |
| Equity / Assets | 9.82% | 11.68% |
Profitability
| Metric | Banksouth | Old Dominion National Bank |
|---|---|---|
| Return on Assets (ROA) | 1.50% | 1.07% |
| Return on Equity (ROE) | 14.92% | 9.20% |
| Net Interest Margin (NIM) | 4.63% | 2.98% |
| Yield on Earning Assets | 6.24% | 5.46% |
| Cost of Funds | 1.70% | 2.75% |
Asset quality
| Metric | Banksouth | Old Dominion National Bank |
|---|---|---|
| Texas Ratio | 3.85% | 8.91% |
| Non-Performing Loan Ratio | 0.55% | 1.01% |
| Non-Performing Asset Ratio | 0.41% | 0.83% |
| Net Charge-Off Ratio | -0.02% | 0.00% |
| ACL / Loans | 1.47% | 0.92% |
Balance sheet
| Metric | Banksouth | Old Dominion National Bank |
|---|---|---|
| Total Assets | $1,617M | $1,620M |
| Total Deposits | $1,399M | $1,323M |
| Total Loans | $1,185M | $1,331M |
| Total Equity | $158,818K | $189,279K |
| Net Income (quarter) | $5,854K | $4,305K |
Liquidity & funding
| Metric | Banksouth | Old Dominion National Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 84.74% | 100.61% |
| Core Deposit Ratio | 90.60% | 77.09% |
| Uninsured Deposit Ratio | 36.00% | 34.07% |
Identity
| Metric | Banksouth | Old Dominion National Bank |
|---|---|---|
| Headquarters City | GREENSBORO | NORTH GARDEN |
| Headquarters State | GA | VA |
| Asset Tier | Large | Large |
| Charter Class | 713480 | 24730 |
| Regulator | OCC | OCC |
| Domestic Branches | 10 | 6 |
| Employees (FTE) | 307 | 103 |
| Established | April 10, 1946, midnight | July 23, 2007, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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