{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-26-028308","form_type":"8-K","ticker":"VABK","cik":"0001572334","company_name":"Virginia National Bankshares Corp","filed_at":"2026-01-29T23:59:59+00:00","discovered_at":"2026-05-14T18:02:35.492449+00:00","generated_at":"2026-05-16T06:26:03.445709+00:00","sec_items":["2.02","8.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Virginia National Bankshares Q4 net income $6.0M, EPS $1.10; declares $0.36 dividend","bullets":["Q4 2025 net income $6.0M ($1.10 diluted EPS), up from $4.6M ($0.85) in Q4 2024.","FY 2025 net income $19.3M ($3.55 diluted EPS), vs $17.0M ($3.15) for FY 2024.","Quarterly cash dividend of $0.36 per share declared, payable Feb 27, 2026 to holders of record Feb 13, 2026.","Net interest margin (FTE) improved to 3.50% from 3.43% QoQ; efficiency ratio improved to 49.5% from 57.9%.","Deposits increased $46.8M (3.4%) from Q3 2025; gross loans $1.2B, modest growth."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-26-028308","json":"https://secwatch.observer/filing/0001193125-26-028308.json","markdown":"https://secwatch.observer/filing/0001193125-26-028308.md","text":"https://secwatch.observer/filing/0001193125-26-028308.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1572334/000119312526028308/0001193125-26-028308-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1572334/000119312526028308/vabk-20260127.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T06:26:03.445709+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}