Side-by-side · Q2 2026 data
Potomac Bank vs Virginia National Bank
Metric by metric
| Measure | Potomac Bank | Virginia National Bank |
|---|---|---|
| TellerScore | 73 | 83 (stronger) |
| Capital cushion | 49 | 82 (stronger) |
| Loan quality | 97 (stronger) | 84 |
| Earnings | 76 | 94 (stronger) |
| Funding & liquidity | 59 | 64 (stronger) |
| Problem-loan coverage | 99 (stronger) | 94 |
| Peer percentile | 53rd | 94th |
| Total assets | $980.2M | $1.6B |
| Deposits / shares | $847.9M | $1.4B |
| Capital ratio | 9.85% | 13.21% (stronger) |
| Problem loans | 0.08% (stronger) | 0.47% |
| Net charge-offs | 0.07% | 0.00% (stronger) |
| Return on assets | 1.40% | 1.86% (stronger) |
| Loans ÷ deposits | 90.5% | 86.9% (stronger) |
| Uninsured deposits | 24.5% | 23.7% (stronger) |
| Offices | 9 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.4% | 18.2% |
Virginia National Bank has the higher TellerScore (83 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Potomac Bank leads on 1 and Virginia National Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.