{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-24-115171","form_type":"8-K","ticker":"VABK","cik":"0001572334","company_name":"Virginia National Bankshares Corp","filed_at":"2024-10-17T23:59:59+00:00","discovered_at":"2026-05-14T18:03:08.836266+00:00","generated_at":"2026-05-30T13:18:44.271427+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"VABK Q3 net income $4.6M ($0.85 EPS), loan growth 19% YoY, NIM improves to 3.24%","bullets":["Q3 net income $4.6M, $0.85 diluted EPS vs $0.86 in Q3 2023; YTD net income $12.4M ($2.30) vs $16.1M ($2.99).","Gross loans $1.2B, up 11.2% from Dec 2023 and 19.1% YoY; securities down $141.9M from Dec 2023 deployed to loans.","Net interest margin (FTE) improved to 3.24% from 3.04% linked quarter; efficiency ratio improved to 58.6% from 62.7%.","ROA 1.15% (up from 1.05% Q2); ROE 11.44% (up from 11.07% Q2); no brokered deposits.","CEO cites cost reduction paying off, loan growth momentum, and solid capital liquidity; credit quality strong."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-24-115171","json":"https://secwatch.observer/filing/0000950170-24-115171.json","markdown":"https://secwatch.observer/filing/0000950170-24-115171.md","text":"https://secwatch.observer/filing/0000950170-24-115171.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1572334/000095017024115171/0000950170-24-115171-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1572334/000095017024115171/vabk-20241017.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T13:18:44.271427+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}