VIRGINIA NATIONAL BANK

CHARLOTTESVILLE, VA | Large | Est. July 29, 1998, midnight | FDIC #34755 | RSSD #2708122 | OCC
Latest Report: 2025-12-31

VIRGINIA NATIONAL BANK is aln large FDIC-insured commercial bank headquartered in CHARLOTTESVILLE, VA, established in July 29, 1998, midnight. As of 2025-12-31, the bank reported total assets of $1.6B and total deposits of $1.4B. Profitability stands at 1.52% ROA and 13.59% ROE, with a net interest margin of 3.59%. The bank's CET1 capital ratio is 19.36%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.18% and a Texas Ratio of 1.14%. FDIC Certificate #34755.

Assets

$1.6B

Deposits

$1.4B

Loans

$1.2B

Equity

$185M

Profitability

Return on Assets (ROA) 1.52%
Return on Equity (ROE) 13.59%
Net Interest Margin (NIM) 3.59%
Yield on Assets 5.25%
Cost of Funds 2.41%

Asset Quality

NPL Ratio 0.18%
Net Charge-Off Ratio 0.02%
Texas Ratio 1.14%
NPA Ratio 0.13%
ACL / Loans 0.67%

Capital & Liquidity

CET1 Ratio 19.36%
Tier 1 Capital 19.36%
Total Capital Ratio 20.19%
Leverage Ratio 12.36%
Loan-to-Deposit 86.37%

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