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 $3.58 billion
Deposits $3.44 billion
Capital $0.46 billion

Cardinal Bank is an FDIC insured institution located in Mclean, VA. It was founded in 1998 and has approximately $4.26 billion in assets. Customers can open an account at one of its 32 branches.

Cardinal Bank merged with United Bank.

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, Commercial Real Estate 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 27.80
Credit Card Loans 0.03
Consumer Auto Loans 0.00
Small Business Loans 3.99
Construction and Development Loans 13.26
Commercial Real Estate 44.60
Commercial and Industrial Loans 5.62
Farm Loans 0.00

Savings Rates

Your Current Location: Virginia, VA 20146

Int Checking Rates APY MIN MAX
First Choice Checking
1.01% $100 $100,000 Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Cardinal Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2017

Lender APR Rate (%) Points Fees Monthly
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Poli Mortgage Group Inc
NMLS ID: 1979
License#: MC-5501
3.875% 3.875% 0.00 $0 $1,176 Learn More
Cornerstone Home Lending
NMLS ID: 119622
License#: MC-4673
4.000% 4.000% 0.00 $0 $1,194 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More

Note to Cardinal Bank
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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
1.22% 8.45

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 June 30, 2017, Cardinal Bank had $5,924,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $455,174,000 in equity and $32,299,000 in loans loss reserves. That gives it a Texas Ratio of 1.22%. 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% 8.58

Cardinal Bank has a Return on Equity of 12.91% versus the BestCashCow average of 8.58. 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
10.92% 12.11

Cardinal Bank has a Capitalization of 10.92% versus the BestCashCow average of 12.11. 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 March 31, 2017, Cardinal Bank had assets of $4,257,562,000, loans of $3,579,383,000, and deposits of $3,442,307,000. 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.

Frequently Asked Questions About Cardinal Bank

Branches and Savings

Is Cardinal Bank FDIC insured?

Yes. It is covered under FDIC Certificate #34733.

Why does Cardinal Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Cardinal Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Cardinal Bank a commercial bank?


Where are Cardinal Bank locations?

See branch locations nearby.

Is Cardinal Bank open on Saturdays?

Is Cardinal Bank open on Sundays?

What time does Cardinal Bank open?

What time does Cardinal Bank close?

Are Cardinal Bank ATMs Open 24/7?

Do Cardinal Bank ATMs accept cash deposits?

Can Cardinal Bank customers use other ATMs?

Do Cardinal Bank branches have notaries?

Will Cardinal Bank notarize my document?

What address for Cardinal Bank should I put for incoming ACH transfers?

Will the Cardinal Bank branch print checks?

Do Cardinal Bank checks expire?

Does Cardinal Bank require US citizenship to open account?

Can Cardinal Bank close my account?

Does Cardinal Bank Report to credit bureaus?

Does Cardinal Bank Use Equifax?

What is Cardinal Bank's ACH Routing Number?

What is Cardinal Bank's SWIFT code?


Does Cardinal Bank offer mortgages?

Compare mortgage rates here.

Does Cardinal Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Cardinal Bank offer personal loans?

Compare personal loan rates here.

Does Cardinal Bank offer student loans?

Will Cardinal Bank cash a check?

Will Cardinal Bank redeem a savings bond?

Does Cardinal Bank cash savings bonds?

Will Cardinal Bank cash money orders?

Can Cardinal Bank issue a money order?

Does Cardinal Bank do currency exchange?

Background on The Bank

Who owns Cardinal Bank?

How long has Cardinal Bank been around?

Can Cardinal Bank transfer to other banks?

Does Cardinal Bank have quick pay?

Does Cardinal Bank accept rolled coins?

Will Cardinal Bank accept loose change?

Where is Cardinal Bank headquarters?

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