Virginia National Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 13.05 percentage points in Q2 2026, from 309.46% to 322.51%. It was the largest change from Q1 2026 among the key lines here. Within Virginia, Virginia National Bank is 9th of 56 on return on assets, 2.31% as of Q2 2026, above the middle of the field. Against a median of 1.28% for banks in the $1B-10B asset tier, Virginia National Bank reported 2.31% on return on assets in Q2 2026, 1.03 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 20.52% |
| Tier 1 risk-based capital ratio | 20.52% |
| Total risk-based capital ratio | 21.35% |
| Tier 1 leverage ratio | 13.21% |
| Equity capital to assets | 11.93% |
| Tangible equity to tangible assets | 11.39% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.20% |
| Non-performing assets ratio | 0.15% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 3.21% |
| Allowance for credit losses to loans | 0.66% |
| Reserve coverage of non-performing loans | 322.51% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.31% |
| Return on equity | 19.92% |
| Net interest margin | 3.56% |
| Efficiency ratio | 37.48% |
| Yield on earning assets | 5.02% |
| Cost of funds | 1.60% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.51% |
| Core deposits to total deposits | 94.14% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.19% |
| Securities to assets | 14.35% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 17.81% | 17.81% | 18.61% | 11.16% | 1.23% |
| Q4 2023 | 17.29% | 17.29% | 18.12% | 11.05% | 0.79% |
| Q1 2024 | 17.48% | 17.48% | 18.29% | 11.17% | 0.97% |
| Q2 2024 | 17.65% | 17.65% | 18.46% | 11.36% | 1.11% |
| Q3 2024 | 17.86% | 17.86% | 18.70% | 11.69% | 1.23% |
| Q4 2024 | 17.77% | 17.77% | 18.60% | 11.55% | 1.20% |
| Q1 2025 | 17.95% | 17.95% | 18.76% | 11.71% | 1.20% |
| Q2 2025 | 18.43% | 18.43% | 19.24% | 11.93% | 1.16% |
| Q3 2025 | 19.08% | 19.08% | 19.93% | 12.12% | 1.20% |
| Q4 2025 | 19.36% | 19.36% | 20.19% | 12.36% | 1.48% |
| Q1 2026 | 19.73% | 19.73% | 20.53% | 12.52% | 1.38% |
| Q2 2026 | 20.52% | 20.52% | 21.35% | 13.21% | 2.31% |
Virginia National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Virginia National Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)