Old Dominion National Bank: Bank Stress & Real-Estate Credit Exposure

At 72/100, Old Dominion National Bank's DLRadar bank-stress reading is elevated; the institution is filed under FDIC Cert #58504. The score is derived deterministically from the bank's public FDIC call-report financials — asset quality, capital adequacy, earnings and real-estate loan concentration — then weighted by where it actually lends.

The recent trend is stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. A elevated score on a footprint this size means the markets Old Dominion National Bank touches inherit a corresponding share of that lending pressure. Old Dominion National Bank runs a compact, regionally concentrated real-estate lending footprint — 5 U.S. counties across 3 states, spanning 180 ZIP codes. The deepest footprints are Virginia (3 counties), Florida (1 county), Pennsylvania (1 county). DLRadar does not model Old Dominion National Bank in isolation: the 180-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 5 counties, so a shift in the bank's elevated posture can be read directly against on-the-ground distress. What separates this from a plain credit rating is the geographic weighting — Old Dominion National Bank's 72/100 reading reflects not just its balance sheet but the 5 counties it lends into, so the score doubles as a map of where its stress will land first. Because Old Dominion National Bank is held under Odnb Financial Corp, its financials are open to scrutiny and its trend can be independently checked. Its lending reaches counties such as Palm Beach County, FL, Fairfax County, VA, Centre County, PA, Albemarle County, VA, each tied back to DLRadar's distress signals. Because Old Dominion National Bank is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 72/100 reading stays current and directly comparable — a like-for-like number across 3 states and against any other institution.

For buyers, lender stress is an early map of supply: when Old Dominion National Bank pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. That makes bank stress a forward indicator — it points to tomorrow's distressed supply, not yesterday's.

The same deterministic model runs for all FDIC banks, each wired to on-the-ground foreclosure, tax-lien and ownership signals. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.