Virginia National Bank (FDIC #34755): Bank Stress & Real-Estate Credit Exposure
Virginia National Bank (FDIC Cert #34755): bank stress 47/100, moderate, STABLE over 7 days; parent VIRGINIA NATL BANKSHARES CORP.
Virginia National Bank (#34755) lends in 6 counties across 1 state; Virginia National Bank (#34755) reaches 82 ZIP codes: Virginia 6 counties, 82 ZIPs.
Virginia National Bank (#34755) largest markets: Albemarle County, VA (24 branches, 24 ZIPs) (#34755), Fauquier County, VA (120 branches, 24 ZIPs) (#34755), Prince William County, VA (38 branches, 19 ZIPs) (#34755), Richmond County, VA (17 branches, 17 ZIPs) (#34755), Charlottesville County, VA (15 branches, 5 ZIPs) (#34755), Winchester County, VA (1 branch, 1 ZIPs) (#34755).
Virginia National Bank (#34755) reports $1.64 billion in total assets; Virginia National Bank (#34755) equity $195.2 million (11.9% of Virginia National Bank (#34755) assets); Virginia National Bank (#34755) domestic deposits $1.41 billion; Virginia National Bank (#34755) net income $15.3 million; Virginia National Bank (#34755) return on assets 1.86%; Virginia National Bank (#34755) return on equity 16.19%; Virginia National Bank (#34755) net interest income $26.8 million; Virginia National Bank (#34755) call report June 30, 2026.
Virginia National Bank (#34755) noncurrent real-estate loans: none reported; Virginia National Bank (#34755) net charge-offs on real estate 0.22%.
Virginia National Bank (#34755) net interest margin 3.52% against an eight-quarter Virginia National Bank (#34755) average of 3.32% (Virginia National Bank (#34755) compression -0.20 points); Virginia National Bank (#34755) rate-exposure score 40/100, Virginia National Bank (#34755) fixed-rate trap 40/100; Virginia National Bank (#34755) risk type credit driven; Virginia National Bank (#34755) rate regime rates elevated, Virginia National Bank (#34755) snapshot October 20, 2026.
Virginia National Bank (#34755) stress score moved from 56.3 on June 22, 2026 to 46.5 on October 20, 2026; Virginia National Bank (#34755) ranged 46.5 to 56.3 over 117 snapshots.
Virginia National Bank (#34755) alerts: 5 counties; top Virginia National Bank (#34755) alert scores: Winchester County, VA 38 (moderate); Charlottesville County, VA 37 (moderate); Richmond County, VA 32 (low); Manassas County, VA 29 (low); Warrenton County, VA 18 (low).