Virginia National Bankshares Q2 net income $4.2M ($0.78 EPS); declares $0.36 dividend

Virginia National Bankshares Corp

2025-Q2 EPS reported $1.61

Q2 net income $4.2M, $0.78 diluted EPS (vs $4.2M, $0.77 YoY); H1 net income $8.7M, up 12% from $7.8M.
Net interest margin (FTE) improved to 3.40% from 3.04%; efficiency ratio improved to 61.2% from 62.7%.
Gross loans $1.2B, up $83.5M (7.2%) YoY; deposits up $15.2M (1.1%) YoY.
Quarterly cash dividend of $0.36 per share declared, payable Aug 29, 2025 to holders of record Aug 15, 2025.

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