secwatch.observer — SEC 8-K summary
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Issuer:     Virginia National Bankshares Corp (VABK)
CIK:        0001572334
Form:       8-K
Filed at:   2026-01-29T23:59:59+00:00
Accession:  0001193125-26-028308
Event type: earnings
Sentiment:  positive
Materiality: 0.60
Item codes: 2.02, 8.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1572334/000119312526028308/0001193125-26-028308-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1572334/000119312526028308/vabk-20260127.htm
  HTML page:      https://secwatch.observer/filing/0001193125-26-028308

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