B
Virginia National Bank
Rating Date
October 2025
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 8.20
Capitalization Index 10.00
Liquidity Index 3.00
Profitability Index 5.60
Stability Index 8.40
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 -0.55%
5-Year Asset Growth 25.98%
5-Year Charge-Offs to Average Loans 0.02%
Charge-Offs to Average Loans 0.02%
Non-Performing Assets to Assets 0.19%
Non-Performing Loans to Capital 1.33%
Non-Performing Loans to Loans 0.25%
Balance Sheet Virginia National Bank
Charlottesville, VA
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Total Assets 1.60B
Total Deposits 1.39B
Capital and Reserves Virginia National Bank
Charlottesville, VA
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Capital 178.14M
Leverage Ratio 12.12
Loan Loss Reserves to Loans 0.69%
Risk-Based Capital Ratio 19.93
Liquidity Virginia National Bank
Charlottesville, VA
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Hot Money Ratio 14.99%
Liquidity Ratio 17.73%
Profitability Virginia National Bank
Charlottesville, VA
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5-Year Return on Average Assets 1.11%
Net Income 14.87M
Net Interest Spread 3.28%
Operating Profit to Average Assets 1.47%
Overhead Efficiency Ratio 56.48%
Return on Assets 1.19%
Return on Equity 11.66%