# OLD DOMINION NATIONAL BANK
CHARLOTTESVILLE, VA · FDIC certificate 58504 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.80B | |
| Deposits | $1.50B | |
| Loans and leases | $1.37B | |
| Total equity | $191.6M | |
| Loans / deposits | 90.66% (p62 of band) | 87.10% |
| Liquid assets / assets | 20.80% (p48 of band) | |
| Uninsured deposits / deposits | 39.49% (p72 of band) | 30.76% |
| Brokered deposits | 13.11% | |
| Wholesale funding | 18.40% (p87 of band) | |
| FHLB advances / assets | 5.29% | |
| Tier 1 leverage | 11.75% (p74 of band) | 10.50% |
| Unrealized securities loss / equity | -2.57% (p76 of band) | -7.75% |
| AOCI / equity | -0.10% (p66 of band) | |
| ROA (annualized) | 0.78% (p19 of band) | 1.26% |
| Net interest margin | 3.02% (p16 of band) | 3.70% |
| Efficiency ratio | 61.36% (p58 of band) | |
| Noncurrent loans | 0.85% (p68 of band) | 0.51% |
| Net charge-offs (annualized) | 0.21% (p87 of band) | |
| Reserve coverage of noncurrent | 106.95% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 72.21% (p73 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 21.7% | |
| Employees | 102 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, expense ratio p90 |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 5 | capital falling, charge-offs p90, assets shrinking |  |
| 2012-06 | 7 | leverage <7%, deposits shrinking |  |
| 2012-09 | 5 |  | capital falling, deposits shrinking |
| 2012-12 | 6 | deposits shrinking |  |
| 2013-03 | 6 | capital falling | charge-offs p90 |
| 2013-06 | 7 | uninsured deposits leaving |  |
| 2013-09 | 5 |  | deposits shrinking, uninsured deposits leaving |
| 2013-12 | 2 |  | assets shrinking, leverage <7%, capital falling |
| 2014-03 | 3 | reserve under noncurrent |  |
| 2014-06 | 6 | capital falling, noncurrent p90, charge-offs p90 |  |
| 2014-09 | 6 |  |  |
| 2014-12 | 6 |  |  |
| 2015-03 | 8 | deposits shrinking, assets shrinking, uninsured deposits leaving | charge-offs p90 |
| 2015-06 | 7 |  | deposits shrinking |
| 2015-09 | 6 | charge-offs p90 | assets shrinking, uninsured deposits leaving |
| 2015-12 | 5 |  | capital falling |
| 2016-03 | 5 |  |  |
| 2016-06 | 3 | uninsured deposits leaving | reserve under noncurrent, noncurrent p90, charge-offs p90 |
| 2016-09 | 3 |  |  |
| 2016-12 | 2 |  | uninsured deposits leaving |
| 2017-03 | 2 |  |  |
| 2017-06 | 3 | capital falling |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 | charge-offs p90 | capital falling |
| 2018-06 | 2 |  | charge-offs p90 |
| 2018-09 | 3 | charge-offs p90 |  |
| 2018-12 | 6 | loans exceed deposits, brokered >10%, capital falling |  |
| 2019-03 | 6 | wholesale funding >15% | charge-offs p90 |
| 2019-06 | 7 | uninsured deposits >50%, run vulnerability | wholesale funding >15% |
| 2019-09 | 7 | liquid assets <10% | brokered >10% |
| 2019-12 | 6 | brokered >10%, wholesale funding >15% | loans exceed deposits, capital falling, liquid assets <10% |
| 2020-03 | 6 | loans exceed deposits, reserve under noncurrent | losing money, wholesale funding >15% |
| 2020-06 | 8 | wholesale funding >15%, liquid assets <10%, capital falling | brokered >10% |
| 2020-09 | 8 |  |  |
| 2020-12 | 5 |  | expense ratio p90, liquid assets <10%, capital falling |
| 2021-03 | 5 |  |  |
| 2021-06 | 3 | capital falling | loans exceed deposits, reserve under noncurrent, wholesale funding >15% |
| 2021-09 | 3 |  |  |
| 2021-12 | 4 | construction >100% equity |  |
| 2022-03 | 3 |  | run vulnerability |
| 2022-06 | 3 | run vulnerability | capital falling |
| 2022-09 | 4 | brokered >10% |  |
| 2022-12 | 6 | loans exceed deposits, wholesale funding >15% |  |
| 2023-03 | 7 | capital falling |  |
| 2023-06 | 5 |  | construction >100% equity, capital falling |
| 2023-09 | 4 | uninsured deposits leaving | uninsured deposits >50%, run vulnerability |
| 2023-12 | 5 | capital falling, construction >100% equity | uninsured deposits leaving |
| 2024-03 | 5 | uninsured deposits leaving | capital falling |
| 2024-06 | 5 | expense ratio p90 | uninsured deposits leaving |
| 2024-09 | 5 | capital falling | expense ratio p90 |
| 2024-12 | 5 |  |  |
| 2025-03 | 3 |  | construction >100% equity, capital falling |
| 2025-06 | 4 | reserve under noncurrent |  |
| 2025-09 | 4 |  |  |
| 2025-12 | 4 |  |  |
| 2026-03 | 3 |  | loans exceed deposits |
| 2026-06 | 3 | capital falling | reserve under noncurrent |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-16 [DC-area banks to merge in $98M deal - Banking Dive](https://news.google.com/rss/articles/CBMioAFBVV95cUxQckdCdkVMNUllZnBSNXRpZkZrT3RfcmlZcERJTVdKQmQzbDNzUllaVWpLZWVmWWRLQVRfLXBmcnI1YlB6SlNOb2VjZzJnbXY3YUtVWEFxam9JXzd4TUU0bExsSlhSQjdiSmZFNk5zUzlXbXllaEQtYnMxZy1UNjZyTGpUaml0c3I0ZTFyME9Jdi1ORi1nV0owUHpfbDY0SzR0?oc=5) · Banking Dive
- 2026-07-02 [National Capital Bank to Merge with Old Dominion - HillRag](https://news.google.com/rss/articles/CBMijAFBVV95cUxNOFd0cFYzcjhyQVZiSGFwcjZMUlBEZmo2b3JUOFlZSVF2aDhqcU15LWhnSUlmWkNLSDZjTk8zSV9xNnlXLUJxUl9zSFA1MnAycWpDeUFqeWNNRkVsTDg0U3JkWExmTXVfNjJSVHhOcGtvb3czdTluMk8yTzdFMjhPUlVGdUc1UlhRMG1BTg?oc=5) · HillRag
- 2026-06-17 [National Capital Bank and Old Dominion National Bank to merge - FinTech Futures](https://news.google.com/rss/articles/CBMinAFBVV95cUxNTXFPUzRwUkhfWXJJd3gwbVJISkFWcDEzRVI4ZEdGRG44NVhOVkg5NXNySkRWTm1CV3B5OTNvV2FORUI1TEt4a1Q0QUJiY1RxNUQ2VElVQlFpdE5Zc0YtTE9KWHNrX3lNN3M4RXBTaHJqUmRpUnJ5LURmQmoybkpJTGFaZTllWUU0RW5uWmhuZ1hCRUdyZUUtbFd3ZDA?oc=5) · FinTech Futures
- 2026-06-15 [Old Dominion National Bank merging with National Capital Bank in $98M deal - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxOQm5xUm5rbWZTUVJndkxfLXhfWVdicjJWcmFSOUpmMTdmWlJ1S3VjOERkV3pUMHpjbUJsbmJQSk1mMDV5dGltVXplRTFWUER3ZXlxY25OTHEwYm5HVVRlLW13X0xwVk5QUW5KOGJhbkpaMUtienZBNTNoQThPYV9YRzB4OXRIWEl1OVdYOHdYV2RzemxSamd4YThsYmZKWmRDYTVZ?oc=5) · The Business Journals
- 2026-06-15 [ODNB Financial Corporation and National Capital Bancorp, Inc. Announce Merger of Equals Creating a Top Tier Community Bank Headquartered in Washington, D.C. with Approximately $2.4 Billion in Total Assets - PR Newswire](https://news.google.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?oc=5) · PR Newswire
- 2026-06-15 [2 DC-area community banks to merge in $98 million deal - American Banker](https://news.google.com/rss/articles/CBMilwFBVV95cUxPbXBESDkyNTNfV1JjVFhHR3pDYmg3S3dOVXhZcnhSQXM3d3FHMEdmUHpWbGFGYTF0QWt1TDNMdFVwNUZRd1ZYUl8tS3pyQXpYYnJxTnhybkdQZ3piLVFESm5MbXpJeVBBTy16YTZMOUZ5bFY1TV9mWjRTNFVrR2cyZnBCZlFVWmFMakRvUzBibE5RSWFWS0RN?oc=5) · American Banker
- 2024-06-03 [Jury rules bank owes Annandale man $1.5 million over wrongful transfers - WUSA9](https://news.google.com/rss/articles/CBMi5gFBVV95cUxPeWF6Q2hxY1c0aW5pU1BZVndkZUo3V0p3QWlsMXdiRjg3UWlhZUplTDVPbTE4Y3lsZWg3SUt3bGdDUTliYmdwLTd5dE1VNTRpMC03clIxRzhQelE2dDc4bXJxZGl2d3ZCX3BuVnM0bUllMHVVZkViOWx3bzFjV0N1YW8xQ0R3dW1wd2szaEJPeHBHNXJrUllnZGpQNFdEZzBCckRPUlAtOVBXdEFBVzZiMXRDbDZmMHpJcHVFcnlyYVdEV243bV94YnQtTlZBdUljMnVycV9lSGRvX0ctSlQ0bUJpOEdPdw?oc=5) · WUSA9
- 2024-06-07 [Annandale man wins fraud case against a bank - Annandale Today](https://news.google.com/rss/articles/CBMid0FVX3lxTE1uMmJmWURfMFlfamp1bGFzR09QSmJzRUlOQ3pGOTdqT2NjR2ZpR01zYVUzMk8tMWxTUHBRLW13bnkzNzVMOUVKaHRLaktEWTZiRkZZZFF2Wjhla1hTaTU4VzlONlU1cGFQNXp3LUFxMUNFaGlXRFJz?oc=5) · Annandale Today

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58504 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/8.json (key "58504", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide