Virginia National Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Virginia National Bank is an FDIC-insured commercial bank. Total assets stand at $1.6B. The bank posts a strong 2.31% ROA and 19.92% ROE. Regulatory capital is solid, 20.52% CET1 and 21.35% total risk-based capital ratio. Credit metrics are pristine, with nonperforming loans at just 0.20%. Virginia National operates a 16-branch network.
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 0.20%, a Texas ratio of 3.21%, per financial data filed with the FFIEC.
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
- Offices
- 16 domestic
- Employees (FTE)
- 142
- Domestic deposits
- $1.41B
- Allowance for credit losses
- $8.1M
- Net charge-offs (YTD)
- $1K
- 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 |
|---|---|---|
| Rust Glenn W | CEO | President and CEO |
| Liles Cathy W | CFO | Chief Financial Officer & EVP |
| Bayes Virginia R | CCO | Chief Credit Officer & EVP |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Virginia National Bank terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Virginia National 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
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Virginia National Bank: ROA, Efficiency ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 20.52% | 2.31% | 0.20% | 3.21% | 3.56% |
| Q1 2026 | 19.73% | 1.38% | 0.21% | 3.47% | 3.28% |
| Q4 2025 | 19.36% | 1.48% | 0.21% | 5.30% | 3.45% |
| Q3 2025 | 19.08% | 1.20% | 0.25% | 4.11% | 3.37% |
| Q2 2025 | 18.43% | 1.16% | 0.25% | 4.89% | 3.31% |
| Q1 2025 | 17.95% | 1.20% | 0.26% | 3.36% | 3.15% |
| Q4 2024 | 17.77% | 1.20% | 0.22% | 2.22% | 3.14% |
| Q3 2024 | 17.86% | 1.23% | 0.22% | 3.56% | 3.16% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 13 branches →
| 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 | merger | 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 | merger | 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
What the public regulatory sources show for Virginia National Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.4% of deposits in VA, rank 28 of 105 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.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Virginia National Bank headquartered?
Virginia National Bank is headquartered in Charlottesville, VA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Virginia National Bank founded?
Virginia National Bank was established in 1998, per the FDIC institution directory.
Is Virginia National Bank FDIC-insured?
Yes. Virginia National Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Virginia National Bank's CET1 capital ratio?
Virginia National Bank 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?
Virginia National Bank 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?
Virginia National Bank's Texas Ratio is 3.21% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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