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BauerFinancial Again Gives Cardinal aFive Starsa


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TYSONS CORNER, Va.--([ BUSINESS WIRE ])--Cardinal Bank (NASDAQ: CFNL) is pleased to announce that BauerFinancial, Inc., has once again given Cardinal a aSuperiora rating.

"We are proud to once again have earned a BauerFinancial rating of aSuperior,a™"

Each quarter, BauerFinancial performs an independent assessment and analysis of the condition of financial institutions throughout the country and assigns a BauerFinanciala" Star-Rating to each institution. This rating, based on a scale of zero to five stars with five stars being the strongest, allows the public to compare institutions using an independent scale. BauerFinancial determines its rating through an analysis of each banka™s capital ratio, profitability/loss trend, the level of delinquent loans, chargeoffs and repossessed assets, the market versus book value of the investment portfolio, regulatory supervisory agreements, the community reinvestment rating (CRA), historical data and liquidity. Cardinal has maintained its Five-Star rating of aSuperiora for four consecutive quarters.

aWe are proud to once again have earned a BauerFinancial rating of aSuperior,a™a said Bernard H. Clineburg, Chairman and CEO of Cardinal Bank, aThis ongoing recognition reinforces to the public that we are a top choice for area banks.a

About Cardinal Financial Corporation: Cardinal Financial Corporation, a financial holding company headquartered in Tysons Corner, Virginia, serves the Washington Metropolitan region through its wholly-owned subsidiary, Cardinal Bank, with 27 conveniently located banking offices. Cardinal also operates George Mason Mortgage, LLC; Cardinal First Mortgage, LLC; Cardinal Trust and Investment Services; and Wilson/Bennett Capital Management, Inc. The Company's stock is traded on NASDAQ (CFNL). For additional information, visit our Web site at [ www.cardinalbank.com ] or call 703.584.3400.


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