secwatch.observer — SEC 8-K summary
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Issuer:     Virginia National Bankshares Corp (VABK)
CIK:        0001572334
Form:       8-K
Filed at:   2025-10-23T23:59:59+00:00
Accession:  0001193125-25-248771
Event type: earnings
Sentiment:  neutral
Materiality: 0.55
Item codes: 2.02, 8.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1572334/000119312525248771/0001193125-25-248771-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1572334/000119312525248771/vabk-20251022.htm
  HTML page:      https://secwatch.observer/filing/0001193125-25-248771

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