Advertisement
Virginia National Bank
Charlottesville, VA · FDIC Certificate #34755 · Chartered 07/2
Total assets
$1.64B
Total deposits
$1.41B
Total equity
$195.24M
Net loans
$1.23B
Branches (offices)
13
Net income (YTD)
$15.30M
Rank: #688 of 4,213 U.S. banks by assets · #22 of 56 in Virginia. Assets changed 0.2% and deposits 1.5% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.86% |
| Return on equity | 16.19% |
| Net interest margin (YTD) | 3.52% |
| Equity to assets | 11.93% |
| Tier 1 leverage ratio | 13.21% |
| Uninsured deposits (share of deposits) | 23.7% |
| Noncurrent loans (share of loans) | 0.47% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 86.9% |
| Real estate loans (share of loans) | 77.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $950.52M | 77.5% | |
| Commercial & industrial | $256.29M | 20.9% | |
| Consumer / individual | $24.49M | 2.0% | |
| Construction & development | $33.11M | 2.7% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.74B | $1.60B | $11.16M | $134.90M |
| Jun 2023 | $1.58B | $1.35B | $11.85M | $143.37M |
| Jun 2024 | $1.57B | $1.37B | $8.62M | $155.50M |
| Jun 2025 | $1.63B | $1.39B | $9.88M | $171.94M |
| Jun 2026 | $1.64B | $1.41B | $15.30M | $195.24M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Virginia | $1.41B | 13 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.41B.
Similar-sized banks
Citizens Tri-County Bank ($1.64B) · Signature Bank Of Arkansas ($1.63B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
Advertisement