TellerScore

Headquartered in Charlottesville, Virginia, Virginia National Bank is a national bank with $1.6B in total assets and $1.4B in deposits as of Q2 2026. It operates 16 offices. Its charter dates back to 1998.

Based on its Q2 2026 filing, Virginia National Bank scores 83/100, which we describe as strong. That is higher than 94% of 897 banks with $1 billion – $10 billion. Among 56 banks headquartered in Virginia, it ranks 7th. Its strongest component is earnings (94/100; 1.86%), and its lowest is funding & liquidity (64/100; 87% loans-to-deposits, 24% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion82/100
Tier 1 leverage ratio: 13.21%
Loan quality84/100
Noncurrent loans ÷ total loans: 0.47%
Earnings94/100
Return on assets (annualized): 1.86%
Funding & liquidity64/100
Loans ÷ deposits and uninsured-deposit share: 86.9% · 23.7% uninsured
Problem-loan coverage94/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.85%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 11 points (72 → 83), mostly because the earnings component improved by 25 points.

TellerScore
727883Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202474
Q3 202473
Q4 202474
Q1 202574
Q2 202572
Q3 202574
Q4 202574
Q1 202677
Q2 202683
Tier 1 leverage ratio
5.00%9.11%13.21%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.36%
Q3 202411.69%
Q4 202411.55%
Q1 202511.71%
Q2 202511.93%
Q3 202512.12%
Q4 202512.36%
Q1 202612.52%
Q2 202613.21%
Noncurrent loans
0.24%0.50%0.75%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.34%
Q3 20240.44%
Q4 20240.24%
Q1 20250.41%
Q2 20250.63%
Q3 20250.55%
Q4 20250.75%
Q1 20260.48%
Q2 20260.47%
Return on assets
1.07%1.47%1.86%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.07%
Q3 20241.13%
Q4 20241.16%
Q1 20251.25%
Q2 20251.22%
Q3 20251.22%
Q4 20251.29%
Q1 20261.40%
Q2 20261.86%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202683$1.6B13.21%0.47%1.86%86.9%
Q1 202677$1.6B12.52%0.48%1.40%86.1%
Q4 202574$1.6B12.36%0.75%1.29%85.8%
Q3 202574$1.6B12.12%0.55%1.22%88.5%
Q2 202572$1.6B11.93%0.63%1.22%88.7%
Q1 202574$1.6B11.71%0.41%1.25%86.0%
Q4 202474$1.6B11.55%0.24%1.16%86.2%
Q3 202473$1.6B11.69%0.44%1.13%87.4%
Q2 202474$1.6B11.36%0.34%1.07%83.7%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio13.21%
86th
Total risk-based capital21.35%
94th
Problem loans0.47%
53rd
Net charge-offs0.00%
79th
Return on assets1.86%
84th
Net interest margin3.52%
38th
Efficiency ratio43.2%
89th
Loans to deposits86.9%
50th
Uninsured deposits23.7%
74th
Loan-loss reserves0.66%
9th
Texas ratio2.8%
59th

Similar-size banks in Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
Chesapeake BankBank Kilmarnock, VA81 out of 100, Strong$1.7B11.2%0.24%vs
Old Dominion National BankBank Charlottesville, VA64 out of 100, Moderate$1.8B11.8%0.85%vs
The National Bank of BlacksburgBank Blacksburg, VA70 out of 100, Strong$1.8B10.5%0.06%vs
Bank Of ClarkeBank Berryville, VA67 out of 100, Moderate$1.8B12.3%1.07%vs
Benchmark Community BankBank Kenbridge, VA75 out of 100, Strong$1.4B9.8%0.17%vs
Farmers & Merchants BankBank Timberville, VA70 out of 100, Strong$1.4B9.1%0.43%vs

Deposit insurance

Is my money safe at Virginia National Bank?

Yes. Virginia National Bank is an FDIC-insured institution (FDIC certificate #34755). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 23.7% of deposits ($333.6M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 13.21%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 21.35% (benchmark: 10%).

Check how much of your own balance is covered

16 locations

Branches

Virginia National Bank lists 12 offices in 9 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Virginia National Bank reported 75 home-loan applications under HMDA (LEI 549300XE6SNRPD2GUD44): 47 originated ($47,695,000 total), 12 denied, and 9 withdrawn or closed by the applicant. Its denial rate on decided applications was 18.2%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Virginia National Bank
Type
National bank
FDIC certificate #
34755
RSSD ID
2708122
Primary regulator
OCC
Holding company
Virginia Natl Bankshares Corp
Established
July 29, 1998
Headquarters
222 E Main St, Charlottesville, VA 22902
Employees
142

Quick answers

Virginia National Bank: common questions

Is Virginia National Bank FDIC insured?

Yes. Virginia National Bank is an FDIC-insured institution (FDIC certificate #34755). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Virginia National Bank's TellerScore?

83 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Virginia National Bank ever failed?

There is no failure record for FDIC certificate #34755 in the FDIC failed bank list.

How many branches does Virginia National Bank have?

16 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Charlottesville

InstitutionScoreAssetsCapitalProblem loansCompare
Pioneer BankBank Stanley, VA84 out of 100, Strong$371.8M12.0%0.03%vs
Carter Bank & TrustBank Martinsville, VA76 out of 100, Strong$4.8B11.7%1.01%vs
Dupont Community Credit UnionCredit union Waynesboro, VA76 out of 100, Strong$2.1B10.9%0.33%vs
Citizens and Farmers BankBank West Point, VA75 out of 100, Strong$2.8B11.2%0.09%vs
United BankBank Fairfax, VA74 out of 100, Strong$33.6B11.6%0.44%vs
Atlantic Union BankBank Richmond City, VA73 out of 100, Strong$38.0B11.4%0.50%vs