Virginia National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Virginia National Bank of Charlottesville, VA against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.31% | 1.43% | +0.88% | 94th top |
| ROAE | 19.92% | 12.50% | +7.42% | 89th top |
| Net Interest Margin | 3.56% | 3.84% | -0.28% | 39th below |
| Efficiency Ratio | 37.48% | 58.89% | -21.41% | 95th top |
| PPNR / Avg Assets | 2.95% | 1.78% | +1.17% | 94th top |
| Yield on Earning Assets | 5.02% | 5.71% | -0.69% | 21st bottom |
| Cost of Funds | 1.60% | 2.03% | -0.43% | 76th top |
| Net Interest Spread | 2.91% | 3.18% | -0.27% | 38th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.20% | 0.96% | -0.76% | 81st top |
| NPA / Total Assets | 0.15% | 0.75% | -0.60% | 80th top |
| NCO / Avg Loans | -0.00% | 0.31% | -0.31% | 87th top |
| ACL / Total Loans | 0.66% | 1.25% | -0.59% | 7th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 322.51% | 699.26% | -376.75% | 72nd above |
| Texas Ratio | 3.21% | 7.17% | -3.96% | 64th above |
| Provision / NCO | -14500.00% | 835.00% | -15335.00% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 20.52% | 17.40% | +3.12% | 92nd top |
| Tier 1 Ratio | 20.52% | 17.44% | +3.08% | 92nd top |
| Total Capital Ratio | 21.35% | 18.50% | +2.85% | 92nd top |
| Leverage Ratio | 13.21% | 11.59% | +1.62% | 86th top |
| Equity / Assets | 11.93% | 11.33% | +0.60% | 75th top |
| TCE / Tangible Assets | 11.39% | 10.65% | +0.74% | 76th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit Behind the peer average, ahead of the median peer. | 87.51% | 86.35% | +1.16% | 52nd above |
| Core Deposit Ratio | 94.14% | 85.55% | +8.59% | 80th top |
| Uninsured Deposit Ratio | 23.66% | 32.72% | -9.06% | 75th top |
| Wholesale Funding Ratio | 1.22% | 5.46% | -4.24% | 78th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.17% | 10.47% | -10.30% | 17th bottom |
| Loan Growth (Y/Y) | -0.62% | 8.00% | -8.62% | 15th bottom |
| Deposit Growth (Y/Y) | 1.45% | 7.99% | -6.54% | 26th below |
See Virginia National Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Virginia National Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Virginia National Bank profile, how to read a UBPR, or how this data updates.