Virginia National Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 8.13 percentage points in Q2 2026, from 234.85% to 226.72%. It was the largest change from Q1 2026 among the key lines here. Within Virginia, Virginia National Bank is 28th of 56 on loan-to-deposit ratio, 87.51% as of Q2 2026, above the middle of the field. At 87.51%, Virginia National Bank's loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.23B |
| Net loans and leases | $1.23B |
| Loans held for sale | $0 |
| Loans to total assets | 75.42% |
| Loan-to-deposit ratio | 87.51% |
| Net loans to equity capital | 6.28% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 38.18% |
| Multifamily (5+ residential) | 11.79% |
| Commercial and industrial | 20.77% |
| Consumer | 1.98% |
| Credit cards | 0.00% |
| Farm | 0.64% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 226.72% |
| Construction concentration (Tier 1 capital + allowance) | 14.75% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.73% |
| Interest income on loans | $17.7M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.02B | $1.37B | 42.06% | 11.57% | 3.82% |
| Q4 2023 | $1.09B | $1.41B | 42.33% | 13.64% | 3.48% |
| Q1 2024 | $1.13B | $1.43B | 41.25% | 15.84% | 3.28% |
| Q2 2024 | $1.16B | $1.37B | 39.58% | 18.95% | 3.29% |
| Q3 2024 | $1.22B | $1.38B | 37.88% | 21.08% | 3.02% |
| Q4 2024 | $1.24B | $1.42B | 39.34% | 20.47% | 2.77% |
| Q1 2025 | $1.24B | $1.43B | 39.47% | 20.08% | 2.59% |
| Q2 2025 | $1.24B | $1.39B | 39.02% | 20.72% | 2.54% |
| Q3 2025 | $1.24B | $1.39B | 39.53% | 21.13% | 2.21% |
| Q4 2025 | $1.24B | $1.43B | 39.24% | 21.09% | 2.11% |
| Q1 2026 | $1.24B | $1.43B | 39.28% | 20.90% | 2.03% |
| Q2 2026 | $1.23B | $1.41B | 38.18% | 20.77% | 1.98% |
Virginia National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Virginia National Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Virginia National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34755) · FFIEC NIC profile (RSSD 2708122)