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101 Jacksonville Circle
P.O. Box 215
Floyd, VA 24091

Phone numbers:

Toll Free:

Credit Cards:
Customer Service: 1-888-295-5540
Lost or Stolen Cards: 1-800-444-6938

To report a lost or stolen VISA® DEBIT Card,
call 1-800-554-8969.

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your PIN on a VISA® Debit Card,
Call 1-800-567-3451

Investor Relations


We appreciate your interest in Bank of Floyd and its parent company Cardinal Bankshares Corporation. We invite you to review our current financial information by clicking on the links below.

Bank of Floyd was founded in 1951, with the consolidation two Floyd County banks whose roots date back to the late 1800's. In 1996, Cardinal Bankshares was formed as the holding company for Bank of Floyd. For more than 100 years, individuals and businesses have trusted Bank of Floyd with their financial needs. We presently serve our customers through seven banking offices in Floyd, Carroll, Montgomery and Pulaski counties and the cities of Salem and Roanoke.

As a locally owned and operated bank, our primary purpose is to help our customers to be as financially successful as possible. As a result, we view community banking as a CRAFT, not mass production. Despite the standard features of banking (a checking acct is a checking acct), we have learned that to be successful and relevant to our customers, we must focus on your needs, and be as creative, agile and responsive to you as possible.

We believe in investing in tools and technologies that enable customer access and satisfaction. This is how we guide our product and service offerings. If it won't help us meet a customer need or deliver a better experience, we don't do it. It's that simple. As typewriters gave way to tablets, we've remained a steadfast and reliable partner for the businesses and individuals in the communities we serve.

Neighbors helping neighbors. That's what we do best.

Corporate Structure

Cardinal Bankshares Corporation ("Cardinal Bankshares"), a Virginia corporation headquartered in Floyd, Virginia, is a bank holding company. Cardinal Bankshares Corporation is registered with, and supervised by, the Board of Governors of the Federal Reserve System under the Bank Holding Company Act of 1956, as amended. The Company serves the marketplace primarily through its wholly owned banking subsidiary, Bank of Floyd, which first began banking operations in 1951. Bank of Floyd is supervised and examined by the Virginia State Corporation Commission/Bureau of Financial Institutions. Bank of Floyd has a wholly owned subsidiary, FBC, Inc., that engages in insurance activities. FBC, Inc. is part owner of Virginia Title Center, LLC.

Cardinal Bankshares Securities

On June 13, 2012, Cardinal Bankshares deregistered under the 1934 Securities Act, and accordingly, current information is available through this site. Cardinal Bankshares Corporation common stock is traded on the OTC QB. Current market quotations for the common stock can be obtained at using the symbol CDBK. If you are interested in purchasing Cardinal Bankshares stock, you may obtain information about our current Market Makers by contacting Suzanne Yearout, Corporate Secretary at (540) 745-4191 or for more information.

Cardinal Bankshares financial information as of and prior to June 30, 2012 may be viewed online through

Ethical Behavior

It is the policy of Cardinal Bankshares Corporation and Bank of Floyd to comply with all applicable laws and regulations and to be governed by the highest level of business standards. Therefore, we encourage the reporting of any concern identified relating to potential fraud, improper accounting principles, ineffective auditing procedures, or similar financial issues. We also encourage the reporting of any pressure applied to commit or to refrain from reporting any such acts. The law precludes any acts of reprisal or threats due to expressions of such concerns.

Concerns may be reported to a member of management; to the internal auditor; to the Company's Audit Committee; or to a Company supervisory body (for example Federal Reserve). Any concerns communicated to the above can be anonymous; however, all reports will be confidential. The Audit Committee Chairman is Dr. Howard Conduff, Jr., P.O. Box 113, Floyd, VA 24091 (540) 745-4171 (Work); (540) 745-5557 (Home).

Current Financial Information/Shareholder Mailings

Archived Financial Information