Old Dominion National Bank: how it compares with its peers
Against 21 VA banks with half to twice its assets, Old Dominion National Bank's strongest measure in Q2 2026 is assets per employee ($17.6M vs. a $7.2M peer median). Its weakest relative measure is return on assets (0.78% vs. 1.24%).
| Measure | Old Dominion National Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.78% | 1.24% | Bottom third Ahead of 19% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.02% | 3.73% | Bottom third Ahead of 19% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 61.36% | 60.21% | Middle third Ahead of 43% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $17.6M | $7.2M | Top third Ahead of 95% of peers |
| Loans to deposits Net loans and leases over total deposits. | 90.66% | 87.94% | Context |
What it means for lending operations
Its efficiency ratio of 61.36% is above the 60.21% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The National Bank of Blacksburg Blacksburg, VA · $1.83B
- Bank Of Clarke Berryville, VA · $1.85B
- Chesapeake Bank Kilmarnock, VA · $1.72B
- Virginia National Bank Charlottesville, VA · $1.64B
- First Bank Strasburg, VA · $2.07B
- Benchmark Community Bank Kenbridge, VA · $1.41B
Questions about Old Dominion National Bank
How big is Old Dominion National Bank?
Old Dominion National Bank, established in 2007, is headquartered in Charlottesville, VA. It reported $1.80B in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is Old Dominion National Bank's return on assets?
0.78% annualized in Q2 2026, against a 1.24% median for 21 VA banks with half to twice its assets, ahead of 19% of them.
What is Old Dominion National Bank's efficiency ratio?
61.36% in Q2 2026: it spent about 61 cents in noninterest expense for each dollar of revenue. The peer median is 60.21%, and lower is better.
Is Old Dominion National Bank growing its loans?
Net loans grew 8.3% over the year to Q2 2026, while deposits grew 21.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are VA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Virginia bank ranked.