BlastPoint's Banking Scorecard
Old Dominion National Bank
Community
Specialty: Commercial
VA
FDIC cert 58504
Charlottesville, VA
1484
banks in Community tier nationally
32 in VA
View Community leaderboard (VA) →
Old Dominion National Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.59% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.6B
+16.3% YoY
+6.7% QoQ
|
+$218.4M |
$1.4B
+2.0% YoY
|
$17.5B
+24.6% YoY
|
$5.9B
+6.5% YoY
|
73% |
| Total Loans ? |
$1.3B
+14.0% YoY
+6.1% QoQ
|
+$360.2M |
$975.5M
+2.4% YoY
|
$10.7B
+28.4% YoY
|
$3.1B
+8.5% YoY
|
78% |
| Total Deposits ? |
$1.3B
+16.3% YoY
+5.9% QoQ
|
+$153.2M |
$1.2B
+1.7% YoY
|
$13.8B
+21.4% YoY
|
$4.7B
+6.3% YoY
|
71% |
| Return on Assets ? |
0.71%
+82.8% YoY
+7.6% QoQ
|
-0.45% |
1.16%
+17.2% YoY
|
0.94%
+24.9% YoY
|
1.12%
+15.6% YoY
|
20% |
| Net Interest Margin ? |
2.90%
+7.6% YoY
+1.8% QoQ
|
-0.76% |
3.66%
+9.1% YoY
|
3.66%
+9.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 14% in tier |
| Efficiency Ratio ? |
66.32%
-17.0% YoY
-1.4% QoQ
|
+3.69% |
62.63%
-5.3% YoY
|
66.70%
-6.7% YoY
|
65.09%
-5.1% YoY
|
36% |
| Delinquency Rate ? |
1.02%
-6.7% QoQ
|
+0.39% |
0.63%
+18.3% YoY
|
0.75%
+37.7% YoY
|
0.66%
+20.3% YoY
|
25% |
| Loan-to-Deposit Ratio ? |
101.36%
-2.0% YoY
+0.2% QoQ
|
+18.30% |
83.06%
+0.3% YoY
|
79.98%
+0.8% YoY
|
78.04%
+0.7% YoY
|
Top 11% in tier |
| Non-Interest-Bearing Deposit Share ? |
21.94%
+1.4% YoY
-6.3% QoQ
|
+0.89% |
21.05%
-0.9% YoY
|
24.23%
+0.2% YoY
|
21.79%
-1.3% YoY
|
59% |
| Nonperforming Asset Ratio ? |
0.85%
-7.2% QoQ
|
+0.35% |
0.50%
+20.3% YoY
|
0.53%
+39.4% YoY
|
0.48%
+20.8% YoY
|
24% |
| Tier 1 Capital Ratio ? |
13.61%
+7.4% YoY
+8.0% QoQ
|
+3.37% |
10.24%
-0.6% YoY
|
11.48%
+7.9% YoY
|
9.75%
-1.9% YoY
|
64% |
| Non-Interest Income / Assets ? |
0.14%
+29.6% YoY
+39.9% QoQ
|
-0.59% |
0.74%
-1.3% YoY
|
0.64%
-0.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 6% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 6%
in Community
Why this stands out
Current:
0.14%
(Tier avg: 0.74%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
89
89th pctile
Loan-to-Deposit Ratio
Current: 101.36% · Tier avg: 83.06%
78
78th pctile
Total Loans
Current: $1.3B · Tier avg: $975.5M
73
73th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
71
71th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
64
64th pctile
Tier 1 Capital Ratio
Current: 13.61% · Tier avg: 10.24%
59
59th pctile
Non-Interest-Bearing Deposit Share
Current: 21.94% · Tier avg: 21.05%
36
36th pctile
Efficiency Ratio
Current: 66.32% · Tier avg: 62.63%
25
25th pctile
Delinquency Rate
Current: 1.02% · Tier avg: 0.63%
24
24th pctile
Nonperforming Asset Ratio
Current: 0.85% · Tier avg: 0.50%
20
20th pctile
Return on Assets
Current: 0.71% · Tier avg: 1.16%
14
14th pctile
Net Interest Margin
Current: 2.90% · Tier avg: 3.66%
6
6th pctile
Non-Interest Income / Assets
Current: 0.14% · Tier avg: 0.74%
Top Weaknesses
6
6th pctile
Non-Interest Income / Assets
Current: 0.14% · Tier avg: 0.74%
14
14th pctile
Net Interest Margin
Current: 2.90% · Tier avg: 3.66%
20
20th pctile
Return on Assets
Current: 0.71% · Tier avg: 1.16%
24
24th pctile
Nonperforming Asset Ratio
Current: 0.85% · Tier avg: 0.50%
25
25th pctile
Delinquency Rate
Current: 1.02% · Tier avg: 0.63%
36
36th pctile
Efficiency Ratio
Current: 66.32% · Tier avg: 62.63%
59
59th pctile
Non-Interest-Bearing Deposit Share
Current: 21.94% · Tier avg: 21.05%
64
64th pctile
Tier 1 Capital Ratio
Current: 13.61% · Tier avg: 10.24%
71
71th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
73
73th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
78
78th pctile
Total Loans
Current: $1.3B · Tier avg: $975.5M
89
89th pctile
Loan-to-Deposit Ratio
Current: 101.36% · Tier avg: 83.06%