PackageTrendsPeer
Letter portraitLegal landscape

Old Dominion National Bank

North Garden, VA · Cert 58504 · Odnb Financial Corp.

National charter · OCC · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

59

Q2 2024Q2 2026peer median (50)

Asset Quality

27

Q2 2024Q2 2026peer median (50)

Profitability

17

Q2 2024Q2 2026peer median (50)

Liquidity

74

Q2 2024Q2 2026peer median

Efficiency

44

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Old Dominion National Bank

North Garden, VA · Cert 58504 · Odnb Financial Corp.

National charter · OCC · 6 branches

Q2 2026

$1.8BAssets
$1.4BLoans
$1.5BDeposits
$191.6MEquity
Loan mix
82%RE $1.1B18%C&I $0.2B0%Consumer $0.0BQ3 2024Q2 2026
Deposit mix
76%Interest-bearing $1.1B24%Noninterest $0.4BQ3 2024Q2 2026

Market Position · Washington-Arlington-Alexandria, DC-VA-MD-WV · 2026 SOD (annual) · 0.4% share · #24 of 71 inst. · $1.2B of $301.4B

0.8% Fairfax
5.0% Centre
2.3% Loudoun
2.5% Albemarle

Executive Summary

  • Earnings: ROA of 0.78%, up 16 bps year over year; NIM at 2.93%.
  • Asset quality: problem loans at 0.85% of loans (-26 bps YoY), with net charge-offs at 0.26%.
  • Capital: tier 1 leverage ratio of 11.75%, up 91 bps from a year ago.
  • Funding: loans stand at 91.49% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.78%+16 bps YoY

Net Interest Margin (YTD, annualized)

2.93%+28 bps YoY

Efficiency Ratio (YTD, annualized)

61.36%-723 bps YoY

Tier 1 Leverage Ratio

11.75%+91 bps YoY

NIM

5.21%Q2 ’245.25%Q2 ’255.26%Q2 ’26+6%+11%

Non-interest income vs. expense

2.36%Q2 ’241.91%Q2 ’251.89%Q2 ’26-21%-2%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.26%0.39%0.65%0.62%0.66%0.71%1.07%0.78%+16 bps
Return on Equity2.32%3.54%6.14%5.87%6.30%6.64%9.20%6.95%+108 bps
Net Interest Margin2.46%2.46%2.74%2.64%2.73%2.68%2.92%2.93%+28 bps
Efficiency Ratio83.17%79.90%70.01%68.59%67.25%66.32%59.70%61.36%-723 bps
Non-Interest Burden2.03%1.94%1.88%1.77%1.79%1.73%1.68%1.73%-4 bps
Growth
Asset Growth (YoY)11.68%11.36%16.38%11.22%12.12%16.25%12.47%20.58%+936 bps
Loan Growth (YoY)16.32%13.44%16.86%13.65%9.58%13.94%8.49%8.25%-541 bps
Deposit Growth (YoY)14.21%13.98%19.46%12.66%13.60%16.35%11.72%21.73%+907 bps
Asset Quality
Nonperforming Loans / Loans0.13%0.00%0.00%1.10%1.09%1.01%1.35%0.85%-26 bps
Net Charge-Offs / Loans0.01%0.00%0.00%0.06%0.04%0.03%0.00%0.26%+20 bps
Allowance / Loans1.00%0.99%0.97%0.94%0.97%0.95%0.92%0.91%-3 bps
Allowance Coverage of NPLs7.6xn/an/a0.9x0.9x0.9x0.7x1.1x+0.2x
Capital
Tier 1 Leverage Ratio11.32%11.15%11.33%10.85%11.05%12.18%12.02%11.75%+91 bps
Total Risk-Based Capital13.77%13.69%13.47%13.21%13.63%14.57%15.01%14.92%+171 bps
Equity / Assets10.88%10.72%10.53%10.38%10.46%11.49%11.68%10.67%+29 bps
Liquidity & Funding
Loans / Deposits105.84%104.50%103.60%102.88%102.10%102.33%100.61%91.49%-1,139 bps
Liquid Assets / Assets6.73%4.71%5.80%5.91%7.85%8.09%6.28%12.90%+699 bps
CRE / Total Capitaln/an/an/an/a457%411%392%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Old Dominion National Bank

North Garden, VA · Cert 58504 · Peer group: banks $1B-$10B in assets (n=322-328) · Odnb Financial Corp.

National charter · OCC · 6 branches

Q2 2026

$1.8BAssets
$1.4BLoans
$1.5BDeposits
$191.6MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 61% of banks $1B-$10B in assets (rank 127 of 328).
  • Widest gap: return on equity trails 85% of banks $1B-$10B in assets (rank 279 of 328).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.73%

Rank 277 of 328

Net Interest Margin

2.93%

Rank 262 of 328

Efficiency Ratio

61.36%

Rank 185 of 328

Equity / Assets

10.67%

Rank 147 of 328

Non-interest income vs. expense

$2.6M$31.4MINCOMEEXPENSE
Unfavorable gap of $28.8M · efficiency ratio beats 44% of banks $1B-$10B in assets
Bank 61.36%Peer median 59.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.73%0.91%1.22%1.52%Beats 16%277 / 328
Return on Equity6.85%8.43%11.45%14.43%Beats 15%279 / 328
Net Interest Margin2.93%3.03%3.45%3.83%Beats 20%262 / 328
Efficiency Ratio61.36%51.61%59.56%67.53%Beats 44%185 / 328
Asset Quality
Nonperforming Loans / Loans0.85%0.24%0.51%1.03%Beats 31%222 / 322
Net Charge-Offs / Loans0.13%0.01%0.03%0.10%Beats 23%249 / 322
Capital
Tier 1 Capital Ratio13.99%11.75%13.15%15.47%Beats 61%127 / 328
Total Risk-Based Capital Ratio14.92%12.63%14.15%16.46%Beats 61%129 / 328
Equity / Assets10.67%9.15%10.33%12.01%Beats 55%147 / 328
Liquidity & Funding
Loans / Deposits91.49%76.63%87.92%95.36%63rd pctl119 / 323
Loans / Assets76.22%65.18%74.15%79.98%59th pctl134 / 328
Brokered Deposits / Depositsn/aNot reported for this institution