Cardinal Bank

8270 Greensboro Dr. Suite 500
Mclean, VA 22102


General Bank Information

FDIC Insured Yes
FDIC Certificate # 34733
Date Established 1998
Assets $4.17 billion
Loans $3.55 billion
Deposits $3.30 billion
Capital $0.45 billion

Cardinal Bank is an FDIC insured institution located in Mclean, VA. It was founded in 1998 and has approximately $4.17 billion in assets. Customers can open an account at one of its 32 branches.

For a more detailed analysis of Cardinal Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Cardinal Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Construction and Development Loans.

Compared to other banks in Virginia, Cardinal Bank has a significantly higher percent of Construction and Development Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 28.49
Credit Card Loans 0.03
Consumer Auto Loans 0.00
Small Business Loans 4.05
Construction and Development Loans 13.02
Commercial Real Estate 43.49
Commercial and Industrial Loans 6.21
Farm Loans 0.00

Savings Rates

Your Current Location: Virginia, VA 20146

30 Mo CD 10K 0.85% $1,000 - Learn MoreShow Less
3 Year CD Special 1.67% $1,000 $1,000,000 Learn MoreShow Less
Int Checking Rates APY MIN MAX
First Choice Checking 1.01% $100 $100,000 Learn MoreShow Less
Checking Rates APY MIN FEE
First Choice Checking 0.76% $5,000 $15.00 Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

BestCashCow tracks mortgage, home equity, and auto loan rates. In the future, we will be adding other loan products. Please contact the lender for questions about their loan products.

Home Equity Rates APR Rate Monthly Payment
Line of Credit 2.29% 2.29% Varies Learn MoreShow Less
5 Year Loan 2.99% 2.99% $898.21 Learn MoreShow Less
10 Year Loan 3.59% 3.59% $496.54 Learn MoreShow Less
15 Year Loan 4.09% 4.09% $372.10 Learn MoreShow Less
Auto Loan Rates APR Rate Monthly Payment
3 Year 5.74% 5.74% $757.61 Learn MoreShow Less
4 Year 5.74% 5.74% $584.15 Learn MoreShow Less
5 Year 5.74% 5.74% $480.30 Learn MoreShow Less

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.


Cardinal Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Cardinal Bank Locations

Financial Details

Cardinal Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Cardinal Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Cardinal Bank U.S. Bank Average
0% 9.04%

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of December 31, 2016, Cardinal Bank had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $447,542,000 in equity and $31,767,000 in loans loss reserves. That gives it a Texas Ratio of 0%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
Cardinal Bank U.S. Bank Average
12.91% 8.42%

Cardinal Bank has a Return on Equity of 12.91% versus the BestCashCow average of 8.42%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Cardinal Bank U.S. Bank Average
10.73% 11.86%

Cardinal Bank has a Capitalization of 10.73% versus the BestCashCow average of 11.86%. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Cardinal Bank Balance Sheet Analysis

As of December 31, 2016, Cardinal Bank had assets of $4,169,472,000, loans of $3,547,158,000, and deposits of $3,299,603,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

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