secwatch.observer — SEC 8-K summary
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Issuer:     Virginia National Bankshares Corp (VABK)
CIK:        0001572334
Form:       8-K
Filed at:   2025-07-24T23:59:59+00:00
Accession:  0000950170-25-098165
Event type: earnings
Sentiment:  positive
Materiality: 0.50
Item codes: 2.02, 8.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1572334/000095017025098165/0000950170-25-098165-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1572334/000095017025098165/vabk-20250723.htm
  HTML page:      https://secwatch.observer/filing/0000950170-25-098165

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer