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Old Dominion National Bank

IDRSSD: 3610718
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
81
/ 100
StrongAs of 2025-Q3QoQ +3

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q3

Bank #3610718 2025-Q3 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

Liquidity:Stable
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Watch

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 101.1% (threshold 100%).

What changed this quarter

Compared to Q2 2025:
↑ +3 ptscomposite
  • Liquidity
    ↑ +6
  • Securities
    — —
  • Capitalization
    ↑ +4
  • Asset Quality
    ↑ 0
  • Reserves
    ↑ +3

The five pillars

Liquidity

StableQoQ +6
67
Sub-score

Liquidity is stable: brokered 16.7%, loans/deposits 101.1%, cash 7.0% of assets.

Cash / Assets
6.96%
Loans / Deposits
101.11%
Brokered %
16.73%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 101.1% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.11%
No watch items at this period.

Capitalization

StrongQoQ +4
85
Sub-score

Capital position is strong: Tier 1 RBC 12.61%, CET1 12.61%, leverage 11.05%.

Tier 1 RBC
12.61%
CET1
12.61%
Leverage
11.05%
No watch items at this period.

Asset Quality

StrongQoQ 0
95
Sub-score

Asset quality is strong: Adjusted NPL 1.10%, Texas Ratio 7.9%, NCO YTD 0.00%.

Adjusted NPL
1.10%
Govt-guarantees stripped
Texas Ratio
7.9%
NCO YTD
0.00%
30-89 PD
0.06%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ +3
53
Sub-score

Reserves are deteriorating: ALLL 0.97% of loans, coverage 89.2%, true coverage 89.2%.

ALLL / Loans
0.97%
Coverage
89.2%
True Loss Coverage
89.2%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 09:03:59 UTC