Virginia National Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Net interest margin rose 0.28 percentage points from Q1 2026 to Q2 2026, ending at 3.56% against 3.28%. It was the largest change among the key lines on this page. Virginia National Bank ranks 39th of 56 Virginia banks on net interest margin, in the lower half at 3.56% (Q2 2026). Virginia National Bank reported 3.56% on net interest margin for Q2 2026, 0.15 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.02% |
| Yield on loans | 5.73% |
| Yield on securities | 2.13% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.60% |
| Cost of interest-bearing deposits | 2.08% |
| Cost of interest-bearing liabilities | 2.11% |
| Cost of borrowings | 3.88% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.56% |
| Yield to cost spread | 2.91% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $17.7M |
| Total interest expense | $5.7M |
| Interest expense on deposits | $5.5M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.52% | 1.71% | 2.94% | 5.52% | 2.57% |
| Q4 2023 | 4.67% | 2.01% | 2.81% | 5.52% | 2.78% |
| Q1 2024 | 4.87% | 2.07% | 2.90% | 5.78% | 2.48% |
| Q2 2024 | 4.84% | 2.07% | 2.93% | 5.68% | 2.31% |
| Q3 2024 | 5.04% | 2.07% | 3.16% | 5.84% | 2.21% |
| Q4 2024 | 4.91% | 1.94% | 3.14% | 5.63% | 2.19% |
| Q1 2025 | 4.84% | 1.81% | 3.15% | 5.52% | 2.19% |
| Q2 2025 | 4.91% | 1.72% | 3.31% | 5.60% | 2.18% |
| Q3 2025 | 4.98% | 1.76% | 3.37% | 5.69% | 2.15% |
| Q4 2025 | 5.04% | 1.74% | 3.45% | 5.76% | 2.14% |
| Q1 2026 | 4.77% | 1.63% | 3.28% | 5.44% | 2.13% |
| Q2 2026 | 5.02% | 1.60% | 3.56% | 5.73% | 2.13% |
Virginia National Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Virginia National Bank, freeSource: Call Report Schedules RI and RC-K, 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)