{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-25-058109","form_type":"8-K","ticker":"VABK","cik":"0001572334","company_name":"Virginia National Bankshares Corp","filed_at":"2025-04-24T23:59:59+00:00","discovered_at":"2026-05-14T18:02:48.833048+00:00","generated_at":"2026-05-23T07:00:31.701774+00:00","sec_items":["2.02","8.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Virginia National Bankshares reports Q1 net income of $4.5M, up 23% YoY; dividend raised 9.1%","bullets":["Net income $4.5M ($0.83 diluted EPS) vs $3.6M ($0.68) in Q1 2024, a 23% increase.","Quarterly dividend raised to $0.36/share from $0.33, payable May 30 to holders of record May 15.","Net interest margin (FTE) improved to 3.28% from 2.93% YoY; efficiency ratio improved to 62.4% from 66.8%.","Gross loans reached $1.2B, up $114.3M (10.1%) YoY and $6.5M from year-end.","ROAA increased to 1.12% (from 0.91%) and ROAE to 11.05% (from 9.57%) YoY."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-25-058109","json":"https://secwatch.observer/filing/0000950170-25-058109.json","markdown":"https://secwatch.observer/filing/0000950170-25-058109.md","text":"https://secwatch.observer/filing/0000950170-25-058109.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1572334/000095017025058109/0000950170-25-058109-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1572334/000095017025058109/vabk-20250424.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T07:00:31.701774+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"}