Old Dominion National Bank
Old Dominion National Bank is an FDIC-insured commercial bank headquartered in North Garden, VA, supervised by the OCC, with $1.74B in total assets at Q3 2026, up 15.3% from Q3 2025, the 20th largest of 56 banks headquartered in Virginia. It was established in 2007 and holds FDIC certificate 58504. Its CET1 capital ratio was 13.80% at Q3 2026, comfortably above the 7% level required once the capital conservation buffer is included.
Also written as ODNB
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 58504
- Headquarters
- North Garden, VA
- Established
- 2007
- Total assets, Q3 2026
- $1.74B
- Assets vs Q3 2025
- +15.3%
- CET1 ratio, Q3 2026
- 13.80%
- Domestic offices
- 6 branches
- Routing number
- 051409414
- Safety and soundness
- Is Old Dominion National Bank safe?
- Latest call report
- Q3 2026, FFIEC 051 · Old Dominion National Bank call report
- Holding company
- ODNB FINANCIAL CORPORATION
- Asset rank in state
- 20th of 56 in Virginia
Old Dominion National Bank spends more to run itself than most banks of its size. It reported $1.7 billion in assets at September 30, 2026, up 15.3% from a year earlier. It earns about $0.58 a year on every $100 of assets, about half the median of $1.32 for the 887 banks with $1 billion to $10 billion in assets. It also holds about half of its deposits (47%) above the FDIC insurance limit, higher than about three-quarters of banks its size (median 31.1%).
Net income for the quarter slipped 11% from a year earlier, to $2.5 million. Over the same year, loans grew 10.6% and deposits grew 15.7%. Concentration is the risk to watch: it holds commercial real estate loans worth 3.2 times its capital, higher than about three-quarters of banks its size (median 2.3 times).
As of September 30, 2026, Old Dominion National Bank reported a CET1 capital ratio of 13.80%, a return on assets of 0.58%, a nonperforming-loan ratio of 1.17% and a Texas ratio of 8.00%. The figures come from its call report filed with the FFIEC.
Of the 56 banks headquartered in Virginia, Old Dominion National Bank is the 20th largest by total assets at Q3 2026. From Q2 2026 to Q3 2026, its total assets fell 3.0% to $1.74B, loans rose 2.7% and deposits fell 3.7%. Its loan book on September 30, 2026 was led by non-owner-occupied commercial real estate loans, at 28.7% of total loans, followed by 1-4 family residential loans at 25.4%. The FDIC Summary of Deposits lists 6 offices for it, in 6 cities across 3 states; its Vienna office books 62% of its branch deposits. By the capital ratios in its Q3 2026 call report, Old Dominion National Bank meets every capital ratio test for well capitalized.
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
- Domestic offices
- 6 branches
- Employees (FTE)
- 100
- Domestic deposits
- $1.44B
- Allowance for credit losses
- $13.0M
- Net charge-offs (YTD)
- $3.2M
- Average total assets
- $1.71B
- Average total loans
- $1.39B
- Average interest-bearing deposits
- $1.09B
- 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
Asset Quality
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. How we compute these figures
Quarterly trends
Over the 12 quarters to Q3 2026, Old Dominion National Bank's total assets ran between $1.24B (Q1 2024) and $1.80B (Q2 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q3 2026 with Q3 2025. How these charts are built
$1.74B total assets against $1.51B; $1.55B total liabilities against $1.35B.
$1.39B net loans and leases against $1.26B; $1.44B total deposits against $1.24B.
$74.5M securities against $64.9M; $162.4M cash and balances due against $105.0M.
$23.5M total interest income against $20.3M; $9.6M total interest expense against $9.7M.
$13.8M net interest income against $10.6M.
$2.0M total noninterest income against $568K; $10.2M total noninterest expense against $7.2M.
$2.0M provision for credit losses against $375K.
$2.5M net income against $2.8M.
0.58% return on assets against 0.76%; 3.31% net interest margin against 2.95%.
13.80% CET1 capital ratio against 12.61%; 11.55% tier 1 leverage ratio against 11.05%.
Inside the full Old Dominion National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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
Its closest position to the top of a national ranking is 147 of 973, for uninsured deposits; its furthest is 3,156 of 3,627, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q3 2026, its return on assets ran from 0.54% (Q2 2026) to 1.07% (Q1 2026) and its net interest margin ran from 2.76% (Q4 2024) to 3.31% (Q3 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2026 | 13.80% | 0.58% | 1.17% | 8.00% | 3.31% |
| 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% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- 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 102 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.
- Not on file
- SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Old Dominion National Bank
What are Old Dominion National Bank's total assets?
As of the Q3 2026 filing, Old Dominion National Bank reported total assets of $1.74 billion in its FFIEC call report.
Where is Old Dominion National Bank headquartered?
It is headquartered in North Garden, VA, United States.
When was Old Dominion National Bank founded?
It was established in 2007, per the FDIC institution directory.
Is Old Dominion National Bank FDIC-insured?
Yes. It 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.
What is Old Dominion National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.80% in its Q3 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?
It 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?
Its Texas Ratio is 8.00% in its Q3 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures nonperforming assets against the bank's capital and reserves.
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