---
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"
generated_at: "2026-05-27T14:18:15.161870+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Virginia National Bankshares Q4 net income $4.6M ($0.85 EPS) vs $3.2M ($0.59) YoY; loans up 13%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-25-008374
- JSON: https://secwatch.observer/filing/0000950170-25-008374.json
- Plain text: https://secwatch.observer/filing/0000950170-25-008374.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.