North Garden, VA · Cert 58504 · Odnb Financial Corp.
National charter · OCC · 6 branches
Q2 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
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.26% | 0.39% | 0.65% | 0.62% | 0.66% | 0.71% | 1.07% | 0.78% | +16 bps | |
| Return on Equity | 2.32% | 3.54% | 6.14% | 5.87% | 6.30% | 6.64% | 9.20% | 6.95% | +108 bps | |
| Net Interest Margin | 2.46% | 2.46% | 2.74% | 2.64% | 2.73% | 2.68% | 2.92% | 2.93% | +28 bps | |
| Efficiency Ratio | 83.17% | 79.90% | 70.01% | 68.59% | 67.25% | 66.32% | 59.70% | 61.36% | -723 bps | |
| Non-Interest Burden | 2.03% | 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 / Loans | 0.13% | 0.00% | 0.00% | 1.10% | 1.09% | 1.01% | 1.35% | 0.85% | -26 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.00% | 0.06% | 0.04% | 0.03% | 0.00% | 0.26% | +20 bps | |
| Allowance / Loans | 1.00% | 0.99% | 0.97% | 0.94% | 0.97% | 0.95% | 0.92% | 0.91% | -3 bps | |
| Allowance Coverage of NPLs | 7.6x | n/a | n/a | 0.9x | 0.9x | 0.9x | 0.7x | 1.1x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.32% | 11.15% | 11.33% | 10.85% | 11.05% | 12.18% | 12.02% | 11.75% | +91 bps | |
| Total Risk-Based Capital | 13.77% | 13.69% | 13.47% | 13.21% | 13.63% | 14.57% | 15.01% | 14.92% | +171 bps | |
| Equity / Assets | 10.88% | 10.72% | 10.53% | 10.38% | 10.46% | 11.49% | 11.68% | 10.67% | +29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 105.84% | 104.50% | 103.60% | 102.88% | 102.10% | 102.33% | 100.61% | 91.49% | -1,139 bps | |
| Liquid Assets / Assets | 6.73% | 4.71% | 5.80% | 5.91% | 7.85% | 8.09% | 6.28% | 12.90% | +699 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 457% | 411% | 392% | n/a | n/a | |