{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-25-008374","form_type":"8-K","ticker":"VABK","cik":"0001572334","company_name":"Virginia National Bankshares Corp","filed_at":"2025-01-23T23:59:59+00:00","discovered_at":"2026-05-14T18:03:04.039021+00:00","generated_at":"2026-05-27T14:18:15.161870+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":"Virginia National Bankshares Q4 net income $4.6M ($0.85 EPS) vs $3.2M ($0.59) YoY; loans up 13%","bullets":["Q4 2024 net income $4.6M, diluted EPS $0.85, up from $3.2M ($0.59) in Q4 2023.","Full-year 2024 net income $17.0M ($3.15 diluted EPS), down from $19.3M ($3.58) in 2023.","Gross loans reached $1.2B (+13.1% YoY); FHLB borrowings reduced $46.5M.","Net interest margin (FTE) improved to 3.21% from 2.89%; efficiency ratio 60.2% vs 64.0%.","ROAA increased to 1.12% and ROAE to 10.98% in Q4 2024."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-25-008374","json":"https://secwatch.observer/filing/0000950170-25-008374.json","markdown":"https://secwatch.observer/filing/0000950170-25-008374.md","text":"https://secwatch.observer/filing/0000950170-25-008374.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1572334/000095017025008374/0000950170-25-008374-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1572334/000095017025008374/vabk-20250123.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T14:18:15.161870+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"}