---
schema_version: "secwatch.filing_event.v1"
accession: "0000950170-25-098165"
form_type: "8-K"
ticker: "VABK"
cik: "0001572334"
company_name: "Virginia National Bankshares Corp"
filed_at: "2025-07-24T23:59:59+00:00"
generated_at: "2026-05-18T02:17:38.677444+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.5
calibrated_materiality_score: 0.5
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0000950170-25-098165
- form_type: 8-K
- ticker: VABK
- cik: 0001572334
- company_name: Virginia National Bankshares Corp
- filed_at: 2025-07-24T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.5
- calibrated_materiality_score: 0.5
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1572334/000095017025098165/0000950170-25-098165-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1572334/000095017025098165/vabk-20250723.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-25-098165
- JSON: https://secwatch.observer/filing/0000950170-25-098165.json
- Plain text: https://secwatch.observer/filing/0000950170-25-098165.txt

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