Charlottesville, VA · Cert 34755 · Virginia Natl Bankshares Corp.
National charter · OCC · 13 branches
Q2 2026
Market Position · Charlottesville, VA · 2026 SOD (annual) · 11.3% share · #5 of 15 inst. · $0.7B of $6.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.22% | 1.22% | 1.29% | 1.40% | 1.86% | +65 bps | |
| Return on Equity | 11.82% | 11.67% | 12.16% | 12.45% | 16.19% | +437 bps | |
| Net Interest Margin | 3.04% | 3.09% | 3.12% | 3.12% | 3.27% | +23 bps | |
| Efficiency Ratio | 55.20% | 54.49% | 52.07% | 50.88% | 43.23% | -1,197 bps | |
| Non-Interest Burden | 1.57% | 1.58% | 1.51% | 1.46% | 0.95% | -63 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.85% | -0.55% | 2.00% | 0.83% | 0.17% | -369 bps | |
| Loan Growth (YoY) | 7.21% | 1.60% | 0.13% | -0.39% | -0.62% | -783 bps | |
| Deposit Growth (YoY) | 1.10% | 0.37% | 0.58% | -0.48% | 1.45% | +35 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.63% | 0.55% | 0.75% | 0.48% | 0.47% | -16 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.02% | 0.02% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 0.67% | 0.69% | 0.67% | 0.64% | 0.66% | -1 bps | |
| Allowance Coverage of NPLs | 1.1x | 1.3x | 0.9x | 1.3x | 1.4x | +0.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.93% | 12.12% | 12.36% | 12.52% | 13.21% | +128 bps | |
| Total Risk-Based Capital | 19.24% | 19.93% | 20.19% | 20.53% | 21.35% | +211 bps | |
| Equity / Assets | 10.53% | 11.10% | 11.22% | 11.35% | 11.93% | +141 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 89.34% | 89.10% | 86.37% | 86.68% | 87.51% | -183 bps | |
| Liquid Assets / Assets | 1.99% | 1.06% | 3.69% | 3.69% | 2.23% | +24 bps | |
| CRE / Total Capital | n/a | 318% | 316% | 314% | n/a | n/a | |