Vitals
  • Total Assets
    4.2B 4.4 %
  • Total Deposits
    3.3B 8.2 %
  • Total Net Loans
    3.5B 4.1 %
  • Net Income
    55.6M 15.0 %
  • Book Value
    447.5M 9.6 %
  • Book Value x2
    895.1M 9.6 %
  • Book Value x3
    1.3B 9.6 %
ROAA

1.368

ROAE

12.914

Efficiency Ratio

56.85

Net Interest Margin

3.41

Balance Sheet Highlights
Financial Highlights Cardinal Bank All Insured Commercial Banks in Virginia
Balance Sheet $(000)
Total Assets 4,169,472 858,303
Total Net Loans 3,547,158 607,607
Total Deposits 3,299,603 699,932
Total Equity 447,542 97,657
Profitability
Net Income 55,630 7,896
Return on Average Assets 1.368 .794
Return on Average Equity 12.914 6.983
Net Interest Margin 3.41 3.805
Efficiency Ratio 56.85 71.157
Noninterest Income/Revenue 25.474 16.327
Balance Sheet Ratios
Loan-to-Deposit 107.503 84.705
Securities/Assets .094 .136
Total Equity/Total Assets .107 .114
Tangible Equity/Tangible Assets .105 .103
Capital Adequacy
Tier 1 Common Capital 436,981 87,521
Tier 1 Capital 436,981 87,589
Tier 2 Capital 32,142 6,159
Total Capital 469,123 93,977
Total Risk Weighted Assets 3,787,081 657,024
Leverage Ratio 10.66 10.765
Common Equity Tier 1 Capital Ratio 11.54 14.768
Tier 1 Capital Ratio 11.54 14.769
Total Capital Ratio 12.39 15.893

Timeline for Cardinal Bank

The Business Bank

Acquisition: Cardinal Bank acquired a new subsidiary, The Business Bank, 10 years

View Profile Mar 08 2014

Cardinal Bank Insurance Agency, Inc.

Cardinal Bank Insurance Agency, Inc. became a new subsidiary organization for Cardinal Bank.

View Profile Mar 08 2014

Cardinal First Mortgage, Llc

Cardinal First Mortgage, Llc became a new subsidiary organization for Cardinal Bank.

View Profile Jan 01 2009

George Mason Mortgage, Llc

George Mason Mortgage, Llc became a new subsidiary organization for Cardinal Bank.

View Profile Jul 07 2004

Cardinal Bank - Manassas/Prince William, N.A.

Acquisition: Cardinal Bank acquired a new subsidiary, Cardinal Bank - Manassas/Prince William, N.A., 22 years

View Profile Mar 01 2002

Want to see more?

Complete timeline for Cardinal Bank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
The Business Bank Seller 333,547 Pooling of Interests Discontinued 3/8/2014
Cardinal Bank - Manassas/Prince William, N.A. Seller 68,065 Pooling of Interests Discontinued 3/1/2002
Cardinal Bank - Dulles, N.A. Seller 46,278 Pooling of Interests Discontinued 11/1/2001
Cardinal Bank-Potomac Seller 65,967 Pooling of Interests Discontinued 11/1/2001
Relationships Role Relationship Start Relationship End
Cardinal Financial Corporation Parent 6/8/1998
George Mason Mortgage, Llc Subsidary 7/7/2004
Cardinal Bank Insurance Agency, Inc. Subsidary 3/8/2014
Cardinal First Mortgage, Llc Subsidary 1/1/2009 6/30/2013
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