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
Unfavorable gap of $28.8M · efficiency ratio beats 44% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.73% | 0.91% | 1.22% | 1.52% | Beats 16% | 277 / 328 | |
| Return on Equity | 6.85% | 8.43% | 11.45% | 14.43% | Beats 15% | 279 / 328 | |
| Net Interest Margin | 2.93% | 3.03% | 3.45% | 3.83% | Beats 20% | 262 / 328 | |
| Efficiency Ratio | 61.36% | 51.61% | 59.56% | 67.53% | Beats 44% | 185 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.85% | 0.24% | 0.51% | 1.03% | Beats 31% | 222 / 322 | |
| Net Charge-Offs / Loans | 0.13% | 0.01% | 0.03% | 0.10% | Beats 23% | 249 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 13.99% | 11.75% | 13.15% | 15.47% | Beats 61% | 127 / 328 | |
| Total Risk-Based Capital Ratio | 14.92% | 12.63% | 14.15% | 16.46% | Beats 61% | 129 / 328 | |
| Equity / Assets | 10.67% | 9.15% | 10.33% | 12.01% | Beats 55% | 147 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 91.49% | 76.63% | 87.92% | 95.36% | 63rd pctl | 119 / 323 | |
| Loans / Assets | 76.22% | 65.18% | 74.15% | 79.98% | 59th pctl | 134 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |