Virginia National Bank
Charlottesville, VA · Cert 34755 · Peer group: banks $1B-$10B in assets (n=322-328) · Virginia Natl Bankshares Corp.
National charter · OCC · 13 branches
Q2 2026
$1.6BAssets
$1.2BLoans
$1.4BDeposits
$195.2MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 91% of banks $1B-$10B in assets (rank 29 of 328).
- Widest gap: net interest margin trails 61% of banks $1B-$10B in assets (rank 201 of 328).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.87%
Rank 32 of 328
Net Interest Margin
3.27%
Rank 201 of 328
Efficiency Ratio
44.63%
Rank 34 of 328
Equity / Assets
11.93%
Rank 86 of 328
Non-interest income vs. expense
Unfavorable gap of $15.6M · efficiency ratio beats 90% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.87% | 0.91% | 1.22% | 1.52% | Beats 90% | 32 / 328 | | |
| Return on Equity | 15.67% | 8.43% | 11.45% | 14.43% | Beats 84% | 52 / 328 | | |
| Net Interest Margin | 3.27% | 3.03% | 3.45% | 3.83% | Beats 39% | 201 / 328 | | |
| Efficiency Ratio | 44.63% | 51.61% | 59.56% | 67.53% | Beats 90% | 34 / 328 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.47% | 0.24% | 0.51% | 1.03% | Beats 54% | 149 / 322 | | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.03% | 0.10% | Beats 70% | 99 / 322 | | |
| Capital |
| Tier 1 Capital Ratio | 20.52% | 11.75% | 13.15% | 15.47% | Beats 91% | 29 / 328 | | |
| Total Risk-Based Capital Ratio | 21.35% | 12.63% | 14.15% | 16.46% | Beats 91% | 29 / 328 | | |
| Equity / Assets | 11.93% | 9.15% | 10.33% | 12.01% | Beats 74% | 86 / 328 | | |
| Liquidity & Funding |
| Loans / Deposits | 87.51% | 76.63% | 87.92% | 95.36% | 49th pctl | 165 / 323 | | |
| Loans / Assets | 75.42% | 65.18% | 74.15% | 79.98% | 56th pctl | 144 / 328 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |