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

Deposit mix

NIM

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

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%.

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

Year to date, annualized, through each quarter.

Metric	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	YoY Δ
Earnings
Return on Assets	0.62%	0.66%	0.71%	1.07%	0.78%	+16 bps
Return on Equity	5.87%	6.30%	6.64%	9.20%	6.95%	+108 bps
Net Interest Margin	2.64%	2.73%	2.68%	2.92%	2.93%	+28 bps
Efficiency Ratio	68.59%	67.25%	66.32%	59.70%	61.36%	-723 bps
Non-Interest Burden	1.77%	1.79%	1.73%	1.68%	1.73%	-4 bps
Growth
Asset Growth (YoY)	11.22%	12.12%	16.25%	12.47%	20.58%	+936 bps
Loan Growth (YoY)	13.65%	9.58%	13.94%	8.49%	8.25%	-541 bps
Deposit Growth (YoY)	12.66%	13.60%	16.35%	11.72%	21.73%	+907 bps
Asset Quality
Nonperforming Loans / Loans	1.10%	1.09%	1.01%	1.35%	0.85%	-26 bps
Net Charge-Offs / Loans	0.06%	0.04%	0.03%	0.00%	0.26%	+20 bps
Allowance / Loans	0.94%	0.97%	0.95%	0.92%	0.91%	-3 bps
Allowance Coverage of NPLs	0.9x	0.9x	0.9x	0.7x	1.1x	+0.2x
Capital
Tier 1 Leverage Ratio	10.85%	11.05%	12.18%	12.02%	11.75%	+91 bps
Total Risk-Based Capital	13.21%	13.63%	14.57%	15.01%	14.92%	+171 bps
Equity / Assets	10.38%	10.46%	11.49%	11.68%	10.67%	+29 bps
Liquidity & Funding
Loans / Deposits	102.88%	102.10%	102.33%	100.61%	91.49%	-1,139 bps
Liquid Assets / Assets	5.91%	7.85%	8.09%	6.28%	12.90%	+699 bps
CRE / Total Capital	n/a	457%	411%	392%	n/a	n/a