# VIRGINIA NATIONAL BANK
CHARLOTTESVILLE, VA · FDIC certificate 34755 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.64B | |
| Deposits | $1.41B | |
| Loans and leases | $1.23B | |
| Total equity | $195.2M | |
| Loans / deposits | 86.93% (p50 of band) | 87.10% |
| Liquid assets / assets | 19.08% (p41 of band) | |
| Uninsured deposits / deposits | 23.66% (p26 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.22% (p24 of band) | |
| FHLB advances / assets | 1.22% | |
| Tier 1 leverage | 13.21% (p86 of band) | 10.50% |
| Unrealized securities loss / equity | -20.13% (p20 of band) | -7.75% |
| AOCI / equity | -0.19% (p58 of band) | |
| ROA (annualized) | 1.86% (p84 of band) | 1.26% |
| Net interest margin | 3.52% (p38 of band) | 3.70% |
| Efficiency ratio | 43.23% (p11 of band) | |
| Noncurrent loans | 0.47% (p47 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p21 of band) | |
| Reserve coverage of noncurrent | 140.29% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 16.96% (p15 of band) | |
| Auto loans | $229,000 (0.02% of loans; DQ 15.28%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 1.4% | |
| Employees | 142 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | brokered >10%, reserve under noncurrent |  |
| 2011-06 | 1 |  | reserve under noncurrent |
| 2011-09 | 1 |  |  |
| 2011-12 | 0 |  | brokered >10% |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | capital falling |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 2 | deposits shrinking, assets shrinking |  |
| 2013-09 | 0 |  | deposits shrinking, assets shrinking |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 1 | expense ratio p90 | capital falling |
| 2014-09 | 0 |  | expense ratio p90 |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2018-06 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | charge-offs p90 |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | capital falling |  |
| 2020-03 | 1 |  | charge-offs p90 |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 1 | charge-offs p90 |  |
| 2021-06 | 2 | capital falling, expense ratio p90 | charge-offs p90 |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 |  | expense ratio p90 |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity, assets shrinking |  |
| 2022-09 | 4 | deposits shrinking |  |
| 2022-12 | 4 |  |  |
| 2023-03 | 4 | uninsured deposits leaving | AOCI drag >20% of equity |
| 2023-06 | 4 |  |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 2 |  | assets shrinking, deposits shrinking |
| 2024-03 | 1 |  | uninsured deposits leaving |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | securities losses >30% of equity |
| 2024-12 | 1 | securities losses >30% of equity |  |
| 2025-03 | 0 |  | securities losses >30% of equity |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | reserve under noncurrent |  |
| 2026-03 | 0 |  | reserve under noncurrent |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-28 [Cville Local Experts: Virginia National Bank celebrates its 28th Anniversary - Cville Right Now](https://news.google.com/rss/articles/CBMitgFBVV95cUxPT3c2THJWb3RkaGhDVzBjRmQyNmYxR1paeHdSQjRtNXBkSnlxdjdwZ2NZNjdwQ2F6TU5PUkJpYW5DdDduTGtnU3IwX1NZWHBNdmpIT1BzdWVzcThjOUdfVTF0cmx6dGFIY2pvbzd5MzdFLVZWcUZZd0xFV2FvZ0d4bi01aHg0dzNqcjNSLVVhZEJVZG5PcFZ3TmZ1a2ZVa3BHRW5aRTZzYXoyMWJUTGdVV1lKRDhBdw?oc=5) · Cville Right Now
- 2025-11-20 [Virginia National Bank CFO to retire - Virginia Business](https://news.google.com/rss/articles/CBMidEFVX3lxTE96QnpiUU9ZR1hIMTNKTnJPWUdoTU5EZGxUdzR6WG9PMFJ2WnZuaUIzdXR5Unk0Xy1JNlM4ZzRneHBUS3FybGxuVzlmWlVSTkhJVzFDanlaYmxZMDVJU0FZbmJNNnYtSGYzNGxYbGZnbUtQRWlJ?oc=5) · Virginia Business
- 2025-11-19 [VIRGINIA NATIONAL BANKSHARES CORPORATION ANNOUNCES PLANNED LEADERSHIP TRANSITION - PR Newswire](https://news.google.com/rss/articles/CBMi0gFBVV95cUxPOUJhNWFFWEcyVWl2dTVIbWFsbzdiYXBjOVo3UnRIYjJqamE0ak1kLVpvckVFc01Qb21KWXVqUmJXTW5vME5Vbmo5cXNrYURubEJhS2NBUGUyeExYV3lWSkxmNmhqQ1d0UXhyUk9zbTQ2eU9pb3FDSmdlSzc3UDJHVm15cndVcFoyckl0a2xNTFg2TlBnZTFScFRtZnVUakZYVEt3ZXB0YmRhUjBUZF9DUDVZMnBpX0h5MUNyUVFfcUpZd3piOHUwblQya0xIV2hZd3c?oc=5) · PR Newswire
- 2026-07-20 [Cville Local Experts: Virginia National Bank celebrates America’s 250th with sweepstakes - Cville Right Now](https://news.google.com/rss/articles/CBMixAFBVV95cUxPSTFvUHd6dTJzQklyQjFNaXVzVkU1bXpuVnl0ZGpETGZzbk5DVlRnNmF6Vk9ETUlvWDA0M2pWSzVBYUJjNndoMUJEUEJDWXdMcjlDR1ZRaDBkT3ktdnhURkpCbDZaTXpZZ0ExX3UxTXdSMmJvRWxYSUF0d1BfbU9DR05GbVRBQXhITUp3X1Jma3hneG00QjR1X1RvRk1CUWlFdm1QYXhfcUhpSkpDQ2N6bHFsVVpJdkRBeXBDcHZaS0cyYzI5?oc=5) · Cville Right Now
- 2020-10-01 [Fauquier Bankshares board OKs sale to Va. National - FauquierNow](https://news.google.com/rss/articles/CBMijwFBVV95cUxQY2x2QVhfb3JwYzBMUW4tQVlsTWZ2T01XRW5COTZPOFRJcV9qSDk1T3Bhb0ItZ1dpazBnb3ZMOVpvb1NueVRkNlBQLWFUSTRfcl9aMjZneUJLNXhHU18xWEZQdENKVUpCX2pNRjM1V1ZRT0FUN2hzWWNJSlJOUVA2Zk5GR3A2N0ZpUkVRQjlUVQ?oc=5) · FauquierNow
- 2025-01-17 [Virginia National Bank Local Business Spotlight: Ivy Nursery - cbs19news.com](https://news.google.com/rss/articles/CBMi3AFBVV95cUxQZ3VDMVZtM193elRmSGpfVGdqdTQwdDl0eHhVaDdHQ0VEbS1HeEZKd1l4VGR1SWVhaGg0cFVwNWN4RE9ib0xIWVpSTjV3RXh6NDJXNEpKcHZpZ2NsM0x6dERHdE5YbU1VMThmRGlHVlp1cUp1cVBKOFJWYW9OWDFaTTNrS0xnalA4amtGdkItUmQxMnd0VVJtWlJtUlFLbXp6OU9sQmpuajZxb3Nfd21PR29wZmlhZHVLel8xQ2JOSldRc1pCeEVrdkY4MjhzUEdPR0R4cXRaYkw3YXhH?oc=5) · cbs19news.com
- 2021-02-25 [Larry Ervin Parks Obituary Feb 25, 2021 - Gate City Funeral Home](https://news.google.com/rss/articles/CBMiZkFVX3lxTE9aQkFVR2p1ZEFLZ3lDU0p2alRweVpqYm9yYXBKbGJQQzh4N2JJTnVIaDlQcmZVNmVUaTVEMWw3bjNDYWo3NGZpUGRnbGpVSDdxeE85dUYzTjliVGd3c0UyM2w0cC1Qdw?oc=5) · Gate City Funeral Home
- 2023-06-06 [Obituary information for William C. Stott, Jr. - Hill & Wood Funeral Service](https://news.google.com/rss/articles/CBMie0FVX3lxTFBHd3RYZl9QNmIwOFN5dHJwaEpQdGI2WmNKVFktTkdWSnpFX21Wd2xqY3ZqZVNoZ3YtOW5iWTQ4UXlveV9SY2FvcTFRaXFLYVhrcTI5VXc3Y29VaUxkYnJmYndsMlk3WUhBXzhOVmw0ZTZxSk9VX3ZuZTNraw?oc=5) · Hill & Wood Funeral Service

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34755 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/3.json (key "34755", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide