---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-25-248771"
form_type: "8-K"
ticker: "VABK"
cik: "0001572334"
company_name: "Virginia National Bankshares Corp"
filed_at: "2025-10-23T23:59:59+00:00"
generated_at: "2026-05-17T02:30:14.902954+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# Virginia National Bankshares Q3 net income flat at $4.6M ($0.84 EPS), declares $0.36 dividend

## Summary
- Q3 2025 net income $4.6M ($0.84 diluted EPS) vs $4.6M ($0.85) a year ago.
- Nine-month net income $13.3M ($2.45 diluted EPS) vs $12.4M ($2.30) in prior period.
- Dividend declared $0.36 per share, payable Nov 28, 2025 to holders of record Nov 14, 2025.
- Return on average assets improved to 1.12% from 1.05%; net interest margin (FTE) 3.43%.
- Gross loans $1.2B, up 1.6% YoY; deposits increased 0.4% YoY but down from year-end.

## SEC filing metadata
- accession: 0001193125-25-248771
- form_type: 8-K
- ticker: VABK
- cik: 0001572334
- company_name: Virginia National Bankshares Corp
- filed_at: 2025-10-23T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1572334/000119312525248771/0001193125-25-248771-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1572334/000119312525248771/vabk-20251022.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-25-248771
- JSON: https://secwatch.observer/filing/0001193125-25-248771.json
- Plain text: https://secwatch.observer/filing/0001193125-25-248771.txt

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