Virginia National Bank
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Data as of · sourced from FFIEC call reports. How we update
Virginia National Bank is an FDIC-insured commercial bank headquartered in Charlottesville, VA, established in 1998 (FDIC certificate 34755), and it is supervised by the OCC. At Q2 2026 it reported total assets of $1.64B, up 0.2% from Q2 2025, the 22nd largest of 56 banks headquartered in Virginia. Its CET1 capital ratio was 20.52% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 34755
- Headquarters
- Charlottesville, VA
- Established
- 1998
- Total assets, Q2 2026
- $1.64B
- Assets vs Q2 2025
- +0.2%
- CET1 ratio, Q2 2026
- 20.52%
- Domestic offices
- 16 FDIC institution directory, current count
- Routing number
- 051408868
- Latest call report
- Q2 2026, FFIEC 051 · Virginia National Bank call report
- Holding company
- VIRGINIA NATIONAL BANKSHARES CORPORATION
- Asset rank in state
- 22nd of 56 in Virginia
Virginia National Bank is one of the more profitable banks of its size. Its balance sheet stood at $1.6 billion at June 30, 2026; it is based in Charlottesville, Virginia. It earns about $2.31 a year on every $100 of assets, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median $1.29). It also spends about 37 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 58 cents).
Earnings jumped: net income for the quarter was $9.5 million, 97% above the same quarter a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $39 million equal 18% of Tier 1 capital, down from 24% a year earlier.
As of June 30, 2026, Virginia National Bank reported a CET1 capital ratio of 20.52%, a return on assets of 2.31%, a nonperforming-loan ratio of 0.47% and a Texas ratio of 1.12%. The figures come from its call report filed with the FFIEC.
Of the 56 banks headquartered in Virginia, Virginia National Bank is the 22nd largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.6% to $1.64B, loans fell 0.3% and deposits fell 1.2%. Non-owner-occupied commercial real estate loans made up 26.8% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 23.7%. The FDIC Summary of Deposits lists 13 offices for it, in 9 cities in VA; its Charlottesville 4 offices book 49% of its branch deposits. By the capital ratios in its Q2 2026 call report, Virginia National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 222 E Main St, Charlottesville, VA 22902
- County
- Charlottesville City
- Metro Area
- Charlottesville, VA
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- July 29, 1998
- Domestic offices
- 16 FDIC institution directory, current count
- Employees (FTE)
- 142
- Domestic deposits
- $1.41B
- Allowance for credit losses
- $8.1M
- Net charge-offs (YTD)
- $1K
- Average total assets
- $1.65B
- Average total loans
- $1.24B
- Average interest-bearing deposits
- $1.04B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 29, 1998
- FDIC Cert
- 34755
- Fed RSSD
- 2708122
- SEC CIK
- 1572334 → filed by VIRGINIA NATIONAL BANKSHARES CORPORATION
- Website
- www.vnb.com →
- Parent Holding Company
- VIRGINIA NATIONAL BANKSHARES CORPORATION (RSSD 4517261) · VABK
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Glenn W Rust | CEO | President and CEO |
| Cathy W Liles | CFO | Chief Financial Officer & EVP |
| Virginia R Bayes | CCO | Chief Credit Officer & EVP |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Virginia National Bank's total assets ran between $1.56B (Q3 2023) and $1.65B (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.64B total assets against $1.63B; $1.44B total liabilities against $1.46B.
$1.23B net loans and leases against $1.23B; $1.41B total deposits against $1.39B.
$234.8M securities against $254.9M; $77.3M cash and balances due against $38.5M.
$19.5M total interest income against $19.1M; $5.7M total interest expense against $6.3M.
$13.8M net interest income against $12.9M.
$6.0M total noninterest income against $1.3M; $7.7M total noninterest expense against $8.0M.
$230K provision for credit losses against $3K.
$9.5M net income against $4.8M.
2.31% return on assets against 1.16%; 3.56% net interest margin against 3.31%.
20.52% CET1 capital ratio against 18.43%; 13.21% tier 1 leverage ratio against 11.93%.
Inside the full Virginia National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Virginia National Bank rankings
Its closest position to the top of a national ranking is 129 of 3,606, for efficiency ratio; its furthest is 738 of 980, for uninsured deposits.
Metric pages for Virginia National Bank: ROA, Efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.16% (Q2 2025) to 2.31% (Q2 2026) and its net interest margin ran from 3.14% (Q4 2024) to 3.56% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 20.52% | 2.31% | 0.47% | 1.12% | 3.56% |
| Q1 2026 | 19.73% | 1.38% | 0.48% | 1.20% | 3.28% |
| Q4 2025 | 19.36% | 1.48% | 0.75% | 1.46% | 3.45% |
| Q3 2025 | 19.08% | 1.20% | 0.55% | 1.58% | 3.37% |
| Q2 2025 | 18.43% | 1.16% | 0.63% | 1.56% | 3.31% |
| Q1 2025 | 17.95% | 1.20% | 0.41% | 1.71% | 3.15% |
| Q4 2024 | 17.77% | 1.20% | 0.24% | 1.66% | 3.14% |
| Q3 2024 | 17.86% | 1.23% | 0.44% | 1.52% | 3.16% |
Swipe the table sideways to see every column.
Branch Network
View all 13 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Pantops Office Branch | Charlottesville , VA | 22911 | $458.4M |
| View Tree Branch | Warrenton , VA | 20186 | $256.7M |
| Barracks Road Office | Charlottesville , VA | 22903 | $121.9M |
| Haymarket Branch | Haymarket , VA | 20169 | $114.3M |
| Virginia National Bank (main office) | Charlottesville , VA | 22902 | $111.5M |
| Creekside Office | Winchester , VA | 22601 | $86.0M |
| New Baltimore Branch | Warrenton , VA | 20187 | $66.8M |
| Catlett Branch | Catlett , VA | 20119 | $52.3M |
| Bealeton Branch | Bealeton , VA | 22712 | $48.6M |
| Manassas Branch | Manassas , VA | 20109 | $40.3M |
| The Plains Branch | The Plains , VA | 20198 | $27.0M |
| Roseneath Branch | Richmond , VA | 23230 | $26.3M |
| Downtown Drive-Thru | Charlottesville , VA | 22902 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 1, 2021 | M&A | Acquired The Fauquier Bank merger for the acquired bank | SEC |
| April 1, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2021 | Structure Change | Acquired The Fauquier Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2018 | M&A | Acquired Vnbtrust, N.A. merger for the acquired bank | SEC |
| July 1, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2018 | Structure Change | Acquired Vnbtrust, N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in VA, rank 28 of 102 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 78 applications, 47 loans originated, $47.7M originated, across 6 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $175K approved, $88K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Virginia National Bank
What are Virginia National Bank's total assets?
As of the Q2 2026 filing, Virginia National Bank reported total assets of $1.64 billion in its FFIEC call report.
Where is Virginia National Bank headquartered?
It is headquartered in Charlottesville, VA, United States.
When was Virginia National Bank founded?
It was established in 1998, per the FDIC institution directory.
Is Virginia National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34755). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Virginia National Bank?
Virginia National Bank's primary federal regulator is the OCC.
What is Virginia National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 20.52% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Virginia National Bank operate?
It operates 16 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Virginia National Bank's Texas Ratio?
Its Texas Ratio is 1.12% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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