TellerScore

Old Dominion National Bank (FDIC certificate #58504) is based in Charlottesville, Virginia. Its Q2 2026 call report shows $1.8B in total assets and $1.5B in deposits and 6 offices across 3 states.

Based on its Q2 2026 filing, Old Dominion National Bank scores 64/100, which we describe as moderate. That is higher than only 33% of 897 banks with $1 billion – $10 billion. Among 56 banks headquartered in Virginia, it ranks 45th. Its strongest component is problem-loan coverage (89/100; 5.7%), and its lowest is funding & liquidity (43/100; 91% loans-to-deposits, 39% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion68/100
Tier 1 leverage ratio: 11.75%
Loan quality72/100
Noncurrent loans ÷ total loans: 0.85%
Earnings51/100
Return on assets (annualized): 0.78%
Funding & liquidity43/100
Loans ÷ deposits and uninsured-deposit share: 90.7% · 39.5% uninsured
Problem-loan coverage89/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 5.70%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 8 points (56 → 64), mostly because the capital cushion component improved by 10 points.

TellerScore
566369Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202464
Q4 202466
Q1 202569
Q2 202556
Q3 202557
Q4 202561
Q1 202662
Q2 202664
Tier 1 leverage ratio
5.00%8.59%12.18%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.76%
Q3 202411.32%
Q4 202411.15%
Q1 202511.33%
Q2 202510.85%
Q3 202511.05%
Q4 202512.18%
Q1 202612.02%
Q2 202611.75%
Noncurrent loans
0.00%0.67%1.35%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.15%
Q3 20240.13%
Q4 20240.00%
Q1 20250.00%
Q2 20251.10%
Q3 20251.09%
Q4 20251.01%
Q1 20261.35%
Q2 20260.85%
Return on assets
0.13%0.60%1.07%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.13%
Q3 20240.26%
Q4 20240.39%
Q1 20250.65%
Q2 20250.62%
Q3 20250.66%
Q4 20250.71%
Q1 20261.07%
Q2 20260.78%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202664$1.8B11.75%0.85%0.78%90.7%
Q1 202662$1.6B12.02%1.35%1.07%99.7%
Q4 202561$1.6B12.18%1.01%0.71%101.4%
Q3 202557$1.5B11.05%1.09%0.66%101.1%
Q2 202556$1.5B10.85%1.10%0.62%101.9%
Q1 202569$1.4B11.33%0.00%0.65%102.6%
Q4 202466$1.4B11.15%0.00%0.39%103.5%
Q3 202464$1.3B11.32%0.13%0.26%104.8%
Q2 202464$1.3B11.76%0.15%0.13%101.0%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.75%
74th
Total risk-based capital14.92%
66th
Problem loans0.85%
32nd
Net charge-offs0.26%
15th
Return on assets0.78%
19th
Net interest margin3.02%
16th
Efficiency ratio61.4%
43rd
Loans to deposits90.7%
38th
Uninsured deposits39.5%
28th
Loan-loss reserves0.91%
21st
Texas ratio5.7%
33rd

Similar-size banks in Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
The National Bank of BlacksburgBank Blacksburg, VA70 out of 100, Strong$1.8B10.5%0.06%vs
Bank Of ClarkeBank Berryville, VA67 out of 100, Moderate$1.8B12.3%1.07%vs
Chesapeake BankBank Kilmarnock, VA81 out of 100, Strong$1.7B11.2%0.24%vs
Virginia National BankBank Charlottesville, VA83 out of 100, Strong$1.6B13.2%0.47%vs
First BankBank Strasburg, VA67 out of 100, Moderate$2.1B9.4%0.32%vs
Benchmark Community BankBank Kenbridge, VA75 out of 100, Strong$1.4B9.8%0.17%vs

Deposit insurance

Is my money safe at Old Dominion National Bank?

Yes. Old Dominion National Bank is an FDIC-insured institution (FDIC certificate #58504). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 39.5% of deposits ($590.7M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.75%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.92% (benchmark: 10%).

Check how much of your own balance is covered

6 locations

Branches

Old Dominion National Bank lists 6 offices in 6 cities across 3 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Old Dominion National Bank reported 148 home-loan applications under HMDA (LEI 549300QB357BUUUV7A56): 140 originated ($131,510,000 total), 0 denied, and 8 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Old Dominion National Bank
Type
National bank
FDIC certificate #
58504
RSSD ID
3610718
Primary regulator
OCC
Holding company
Odnb Financial Corp
Established
July 23, 2007
Headquarters
852 W Main St, Charlottesville, VA 22903
Employees
102

Quick answers

Old Dominion National Bank: common questions

Is Old Dominion National Bank FDIC insured?

Yes. Old Dominion National Bank is an FDIC-insured institution (FDIC certificate #58504). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Old Dominion National Bank's TellerScore?

64 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Old Dominion National Bank ever failed?

There is no failure record for FDIC certificate #58504 in the FDIC failed bank list.

How many branches does Old Dominion National Bank have?

6 offices as of the latest FDIC data, in 3 states.

Nearby

Highest-scoring banks and credit unions with branches near Charlottesville

InstitutionScoreAssetsCapitalProblem loansCompare
Pioneer BankBank Stanley, VA84 out of 100, Strong$371.8M12.0%0.03%vs
Virginia National BankBank Charlottesville, VA83 out of 100, Strong$1.6B13.2%0.47%vs
Carter Bank & TrustBank Martinsville, VA76 out of 100, Strong$4.8B11.7%1.01%vs
Dupont Community Credit UnionCredit union Waynesboro, VA76 out of 100, Strong$2.1B10.9%0.33%vs
Citizens and Farmers BankBank West Point, VA75 out of 100, Strong$2.8B11.2%0.09%vs
United BankBank Fairfax, VA74 out of 100, Strong$33.6B11.6%0.44%vs