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Virginia National Bank

$1B-$10B Specialty: Commercial VA FDIC cert 34755

Designations: ✓ Community bank

Charlottesville, VA

16 branches across VA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 23 in VA.
  • Deposits +1.5% year over year ($1.4B on the books).
  • Delinquency rate 0.47%.
  • Return on assets 1.86%.
  • Efficiency ratio 43.23% vs a 59.73% peer average.
  • Loan-to-deposit ratio 86.93% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 23 in VA
View $1B-$10B leaderboard (VA) →

Virginia National Bank has 3 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Profitability Leader: Top 17.1% in tier
  • + Efficiency Ratio 16.50% below tier average
  • + Delinquency Rate 0.39% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 29.1% in tier
  • - Net Interest Margin 0.35% below tier average
Get updates when Virginia National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Total Assets ? $1.6B
+0.2% YoY -0.6% QoQ
-$1.2B $2.8B
-0.6% YoY
$17.9B
+3.0% YoY
$6.3B
+7.7% YoY
41%
Total Loans ? $1.2B
-0.6% YoY -0.3% QoQ
-$737.4M $2.0B
-0.3% YoY
$10.9B
+3.1% YoY
$3.2B
+9.4% YoY
44%
Total Deposits ? $1.4B
+1.5% YoY -1.2% QoQ
-$908.7M $2.3B
-0.5% YoY
$14.1B
+3.2% YoY
$4.9B
+7.3% YoY
42%
Return on Assets ? 1.86%
+53.2% YoY +32.5% QoQ
+0.47% 1.39%
+17.0% YoY
1.34%
+70.7% YoY
1.30%
+12.1% YoY
84%
Net Interest Margin ? 3.52%
+5.2% YoY +4.1% QoQ
-0.35% 3.87%
+6.2% YoY
3.88%
+6.6% YoY
3.95%
+4.9% YoY
38%
Efficiency Ratio ? 43.23%
-21.7% YoY -15.1% QoQ
-16.50% 59.73%
-12.6% YoY
62.24%
-10.7% YoY
70.05%
+2.5% YoY
Top 9.8% in tier
Delinquency Rate ? 0.47%
-25.2% YoY -2.6% QoQ
-0.39% 0.87%
+11.7% YoY
0.72%
+0.1% YoY
0.98%
+16.3% YoY
54%
Loan-to-Deposit Ratio ? 86.93%
-2.0% YoY +0.9% QoQ
+1.90% 85.04%
-0.1% YoY
80.15%
+0.8% YoY
79.03%
+2.3% YoY
51%
Non-Interest-Bearing Deposit Share ? 26.12%
-5.8% YoY +4.6% QoQ
+4.84% 21.27%
-1.5% YoY
26.19%
+3.5% YoY
21.98%
-0.6% YoY
75%
Nonperforming Asset Ratio ? 0.35%
-25.8% YoY -2.4% QoQ
-0.32% 0.67%
+11.7% YoY
0.52%
-0.4% YoY
0.69%
+15.8% YoY
57%
Tier 1 Capital Ratio ? 20.52%
+11.4% YoY +4.0% QoQ
+5.68% 14.84%
-0.4% YoY
16.58%
+3.9% YoY
17.09%
+0.8% YoY
Top 6.8% in tier
Non-Interest Income / Assets ? 0.46%
+144.5% YoY +408.2% QoQ
-0.07% 0.53%
+2.5% YoY
0.52%
+72.6% YoY
0.66%
+5.2% YoY
77%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Noninterest-Bearing 26.1%
-1.6pp YoY
+1.1pp QoQ
 +4.7pp 21.4% 26.2% 22.2% 74%
Brokered Deposits n/a n/a 9.5% 8.5% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
C&I 20.9%
0.0pp YoY
-0.1pp QoQ
 +6.9pp 14.0% 11.0% 12.5% 82%
CRE 53.0%
+1.0pp YoY
-0.3pp QoQ
 +3.0pp 50.0% 46.9% 41.4% 60%
1-4 Family 23.9%
-0.3pp YoY
+0.6pp QoQ
 -2.5pp 26.4% 32.6% 31.3% 51%
Consumer 2.0%
-0.6pp YoY
0.0pp QoQ
 -2.7pp 4.7% 8.0% 5.0% 63%

Capital

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
CET1 Ratio 20.5%
+2.1pp YoY
+0.8pp QoQ
 +4.9pp 15.6% 17.2% 19.7% 92%
Leverage Ratio 13.2%
+1.3pp YoY
+0.7pp QoQ
 +1.9pp 11.3% 12.2% 12.6% 86%
Total Capital Ratio 21.3%
+2.1pp YoY
+0.8pp QoQ
 +4.7pp 16.7% 18.3% 20.8% 92%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Full-Time Employees 142
-2 (-1.4%) YoY
0 QoQ
 -172 313 1,956 482 20%
Assets per Employee ($) $11.5M
+1.6% YoY
-0.6% QoQ
 +$1.0M $10.5M $9.9M $8.8M 75%
Branch Count 16
0 YoY
0 QoQ
 -4 20 28 18 53%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Past Due 90+ Days 0.3%
-0.1pp YoY
0.0pp QoQ
 +0.1pp 0.2% 0.2% 0.4% 90%
Nonaccrual 0.2%
0.0pp YoY
0.0pp QoQ
 -0.7pp 0.8% 0.7% 1.0% 18%
Allowance Coverage 1.40x
+31.0% YoY
+4.9% QoQ
 -17.31x 18.71x 9.47x 20.23x 36%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.2% 0.2% 16%

Profitability

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
ROE 16.2%
+4.4pp YoY
+3.7pp QoQ
 +3.6pp 12.6% 12.0% 11.6% 80%
Cost of Funds (YTD) 1.5%
-0.2pp YoY
0.0pp QoQ
 -0.4pp 1.9% 1.7% 1.7% 24%
Net Income ($, YTD) $15.3M
+54.7% YoY
— QoQ
 -$3.9M $19.2M $137.1M $40.4M 61%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Profitability Leader

growth
#39 of 222 • Top 17.1% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 1.86%
(Tier: 1.39%, National: 1.30%)
better than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable

Concerns (1)

Liquidity Overhang

risk
#51 of 172 • Bottom 29.1% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 20.52%
(Tier: 14.84%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 86.93%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
172 of 172 Mid-Market banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (4 metrics)

61
Tier 1 Capital Ratio
capital
Value: 20.52%
Peer Median: 14.84%
#61 of 885 Top 6.8% in $1B-$10B
88
Efficiency Ratio
profitability
Value: 43.23%
Peer Median: 59.73%
#88 of 885 Top 9.8% in $1B-$10B
141
Return on Assets
profitability
Value: 1.86%
Peer Median: 1.39%
#141 of 885 Top 15.8% in $1B-$10B
202
Non-Interest Income / Assets
revenue_mix
Value: 0.46%
Peer Median: 0.53%
#202 of 885 Top 22.7% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available
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