BlastPoint's Banking Scorecard
Virginia National Bank
Designations: ✓ Community bank
Charlottesville, VA
16 branches across VA
Virginia National Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 10.18% below tier average
- + Delinquency Rate 0.40% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 32.8% in tier
- - Net Interest Margin 0.43% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.6B
+0.8% YoY
-0.1% QoQ
|
-$1.2B |
$2.8B
-0.1% YoY
|
$17.9B
+25.7% YoY
|
$6.2B
+9.1% YoY
|
40% |
| Total Loans ? |
$1.2B
-0.4% YoY
+0.0% QoQ
|
-$735.2M |
$2.0B
+0.6% YoY
|
$10.6B
+27.9% YoY
|
$3.2B
+10.8% YoY
|
44% |
| Total Deposits ? |
$1.4B
-0.5% YoY
-0.3% QoQ
|
-$915.5M |
$2.3B
-0.3% YoY
|
$14.1B
+22.4% YoY
|
$4.8B
+8.2% YoY
|
43% |
| Return on Assets ? |
1.40%
+12.8% YoY
+8.6% QoQ
|
+0.04% |
1.37%
+19.6% YoY
|
1.15%
+53.9% YoY
|
1.23%
+13.4% YoY
|
65% |
| Net Interest Margin ? |
3.38%
+2.8% YoY
-1.3% QoQ
|
-0.43% |
3.82%
+6.9% YoY
|
3.81%
+7.1% YoY
|
3.89%
+5.7% YoY
|
34% |
| Efficiency Ratio ? |
50.88%
-8.9% YoY
-2.3% QoQ
|
-10.18% |
61.06%
-4.6% YoY
|
65.58%
-7.6% YoY
|
66.95%
-4.1% YoY
|
77% |
| Delinquency Rate ? |
0.49%
+18.9% YoY
-35.4% QoQ
|
-0.40% |
0.89%
+14.1% YoY
|
0.77%
+12.4% YoY
|
0.95%
+18.8% YoY
|
54% |
| Loan-to-Deposit Ratio ? |
86.13%
+0.1% YoY
+0.4% QoQ
|
+1.92% |
84.20%
+0.3% YoY
|
79.34%
+0.5% YoY
|
76.70%
+0.9% YoY
|
51% |
| Non-Interest-Bearing Deposit Share ? |
24.97%
-5.6% YoY
-1.5% QoQ
|
+3.68% |
21.29%
-2.5% YoY
|
25.27%
-0.4% YoY
|
22.01%
-1.2% YoY
|
71% |
| Nonperforming Asset Ratio ? |
0.36%
+17.5% YoY
-35.4% QoQ
|
-0.31% |
0.67%
+15.6% YoY
|
0.55%
+12.2% YoY
|
0.67%
+19.3% YoY
|
57% |
| Tier 1 Capital Ratio ? |
19.73%
+9.9% YoY
+1.9% QoQ
|
+4.57% |
15.16%
+2.0% YoY
|
16.28%
+2.7% YoY
|
17.06%
+0.8% YoY
|
Top 8.1% in tier |
| Non-Interest Income / Assets ? |
0.09%
-16.1% YoY
-74.9% QoQ
|
-0.17% |
0.26%
+1.6% YoY
|
0.18%
+27.1% YoY
|
0.32%
+4.1% YoY
|
28% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.