Cardinal Bank

8270 Greensboro Dr. Suite 500
Mc Lean, VA 22102
703.584.3500
www.cardinalbank.com

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Cardinal Bank is headquartered in Mc Lean and is the 11^st largest bank in the state of Virginia. It is also the 270^th largest bank in the nation. It was established in 1998 and as of December of 2011, it had grown to 502 employees at 28 locations. Cardinal Bank has a 5-star health rating.

Checking Account Rate Deal at Cardinal Bank in VA, MD & DC - Local Only - 1/31/2012

Cardinal Bank is offering a good checking account deal. Its First Choice Checking has a 2.01% APY for balances up to $100,000 (0.31% over). These rates are listed in the bank's First Choice Checking p ...

Top Long-Term CD Rates at Cardinal Bank in VA, MD & DC - Local Only - 10/7/2010

Cardinal Bank is offering two competitive long-term CD and IRA CD rates: a 3.01% APY 5-year CD and a 3.11% APY 6-year CD. Minimum deposit is $1,000. These rates are listed in the bank's rate sheet as ...

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See Rates for: Checking | Savings | Money Market | CD | IRA

Cardinal Bank Checking Account Rates

Apy	Min	Max	Product
2.01%	-	$100k	First Choice Checking
0.15%	$1k	-	Chairman’s Club Checking
0.15%	$1k	-	Chairman’s Club Checking - Business
0.05%	-	-	President’s Club Checking
0.05%	-	-	Interest Checking

Cardinal Bank Savings Account Rates

Apy	Min	Max	Product
2.51%	-	$1k	Kid’s Club
0.21%	-	-	Simply Savings
0.15%	-	-	Cardinal Statement Savings

Cardinal Bank Money Market Rates

Apy	Min	Max	Product
0.31%	$25k	-	Monster Money Market
0.15%	$25k	-	Money Market Savings
0.15%	$500	-	Money Market IRA

Cardinal Bank CD Rates

Apy	Min	Max	Product
1.40%	$1k	-	6 Year CD
1.35%	$1k	-	5 Year CD
1.05%	$1k	-	4 Year CD
0.90%	$1k	-	37 Month CD
0.85%	$1k	-	3 Year CD
0.70%	$1k	-	30 Month CD
0.65%	$1k	-	2 Year CD
0.60%	$1k	-	17 Month CD
0.60%	$1k	-	18 Month CD
0.55%	$1k	-	14 Month CD
0.50%	$1k	-	1 Year CD
0.47%	$1k	-	37 Month No Penalty CD Special
0.40%	$1k	-	9 Month CD
0.35%	$1k	-	7 Month CD
0.30%	$1k	-	8 Month No Penalty CD Special
0.30%	$1k	-	9 Month No Penalty CD Special
0.25%	$1k	-	6 Month CD
0.20%	$1k	-	100 Day CD Special
0.20%	$1k	$1m	4 Month No Penalty CD Special
0.15%	$1k	$250k	3 Month CD

Cardinal Bank IRA Rates

Apy	Min	Max	Product
1.40%	$1k	-	6 Year IRA
1.40%	$1k	-	6 Year Roth IRA
1.40%	$1k	-	6 Year CESA
1.40%	$1k	-	6 Year SEP IRA
1.35%	$1k	-	5 Year IRA
1.35%	$1k	-	5 Year Roth IRA
1.35%	$1k	-	5 Year CESA
1.35%	$1k	-	5 Year SEP IRA
1.05%	$1k	-	4 Year IRA
1.05%	$1k	-	4 Year Roth IRA
1.05%	$1k	-	4 Year CESA
1.05%	$1k	-	4 Year SEP IRA
0.90%	$1k	-	37 Month IRA
0.90%	$1k	-	37 Month Roth IRA
0.90%	$1k	-	37 Month CESA
0.90%	$1k	-	37 Month SEP IRA
0.85%	$1k	-	3 Year IRA
0.85%	$1k	-	3 Year Roth IRA
0.85%	$1k	-	3 Year CESA
0.85%	$1k	-	3 Year SEP IRA
0.70%	$1k	-	30 Month IRA
0.70%	$1k	-	30 Month Roth IRA
0.70%	$1k	-	30 Month CESA
0.70%	$1k	-	30 Month SEP IRA
0.65%	$1k	-	2 Year IRA
0.65%	$1k	-	2 Year Roth IRA
0.65%	$1k	-	2 Year CESA
0.65%	$1k	-	2 Year SEP IRA
0.60%	$1k	-	17 Month IRA
0.60%	$1k	-	18 Month IRA
0.60%	$1k	-	17 Month Roth IRA
0.60%	$1k	-	18 Month Roth IRA
0.60%	$1k	-	17 Month CESA
0.60%	$1k	-	17 Month SEP IRA
0.60%	$1k	-	18 Month CESA
0.60%	$1k	-	18 Month SEP IRA
0.55%	$1k	-	14 Month IRA
0.55%	$1k	-	14 Month Roth IRA
0.55%	$1k	-	14 Month CESA
0.55%	$1k	-	14 Month SEP IRA
0.50%	$1k	-	1 Year IRA
0.50%	$1k	-	1 Year Roth IRA
0.50%	$1k	-	1 Year CESA
0.50%	$1k	-	1 Year SEP IRA
0.40%	$1k	-	9 Month IRA
0.40%	$1k	-	9 Month Roth IRA
0.40%	$1k	-	9 Month CESA
0.40%	$1k	-	9 Month SEP IRA
0.35%	$1k	-	7 Month IRA
0.35%	$1k	-	7 Month Roth IRA
0.35%	$1k	-	7 Month CESA
0.35%	$1k	-	7 Month SEP IRA
0.25%	$1k	-	6 Month IRA
0.25%	$1k	-	6 Month Roth IRA
0.25%	$1k	-	6 Month CESA
0.25%	$1k	-	6 Month SEP IRA
0.15%	$1k	$250k	3 Month IRA
0.15%	$1k	$250k	3 Month Roth IRA
0.15%	$1k	$250k	3 Month CESA
0.15%	$1k	$250k	3 Month SEP IRA

Rates updated: 5/24/2012

Data for Q4 2011

Institution Statistics

Cardinal Bank
FDIC Certificate #	34733
BankRate Report	View
Year Established	1998
Employees	502
Primary Regulator	FDIC
Assets and Liabilities
Assets	$2.59 billion
Loans	$2.14 billion
Deposits	$1.81 billion
Equity Capital	$265.28 million
Loan Loss Allowance	$26.16 million
Unbacked Noncurrent Loans	$14.82 million
Real Estate Owned	$3.05 million
Historic Data - December 2010
Assets	$2.06 billion
Equity Capital	$227.14 million
Loan Loss Allowance	$24.21 million
Unbacked Noncurrent Loans	$7.57 million
Real Estate Owned	$1.25 million
Profit Margin - Quarterly
Net Interest Margin	3.71%
Return on Assets	1.36%
Return on Equity	12.63%
Interest Income	$102.88 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Cardinal Bank had $17.87 million in non-current loans and owned real-estate with $291.44 million in equity and loan loss allowances on hand to cover it. This gives Cardinal Bank a Texas Ratio of 6.13% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Cardinal Bank held steady from 3.51% as of December 31, 2010 to 6.13% as of December 31, 2011, resulting in a negative change of 74.84%. This indicates that the balance sheet and financial strength for Cardinal Bank has held steady in recent periods.
Deposit Growth
In the past year, Cardinal Bank has increased its total deposits by $391.3 million, resulting in 27.61% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Cardinal Bank has shown is excellent.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Cardinal Bank has $2.59 billion in assets with $291.44 million in equity, resulting in a capitalization level of 11.23%, which is above average.