B
Virginia National Bank
Rating Date
August 2026
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Virginia National Bank
Charlottesville, VA
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Rating B
Asset Quality Index 8.30
Capitalization Index 10.00
Liquidity Index 3.10
Profitability Index 7.70
Stability Index 6.30
Company Info Virginia National Bank
Charlottesville, VA
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FDIC Number 34755
Phone Number (434) 817-8621
Website www.vnb.com
Asset Quality Virginia National Bank
Charlottesville, VA
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1-Year Asset Growth 0.17%
5-Year Asset Growth 18.83%
5-Year Charge-Offs to Average Loans 0.02%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.15%
Non-Performing Loans to Capital 1.06%
Non-Performing Loans to Loans 0.20%
Balance Sheet Virginia National Bank
Charlottesville, VA
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Total Assets 1.64B
Total Deposits 1.41B
Capital and Reserves Virginia National Bank
Charlottesville, VA
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Capital 195.24M
Leverage Ratio 13.21
Loan Loss Reserves to Loans 0.66%
Risk-Based Capital Ratio 21.35
Liquidity Virginia National Bank
Charlottesville, VA
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Hot Money Ratio 13.54%
Liquidity Ratio 20.05%
Profitability Virginia National Bank
Charlottesville, VA
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5-Year Return on Average Assets 1.13%
Net Income 15.30M
Net Interest Spread 3.42%
Operating Profit to Average Assets 2.30%
Overhead Efficiency Ratio 44.63%
Return on Assets 1.84%
Return on Equity 16.24%