---
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"
generated_at: "2026-05-16T06:26:03.445709+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Virginia National Bankshares Q4 net income $6.0M, EPS $1.10; declares $0.36 dividend

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-26-028308
- JSON: https://secwatch.observer/filing/0001193125-26-028308.json
- Plain text: https://secwatch.observer/filing/0001193125-26-028308.txt

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