---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-26-171985"
form_type: "8-K"
ticker: "VABK"
cik: "0001572334"
company_name: "Virginia National Bankshares Corp"
filed_at: "2026-04-23T23:59:59+00:00"
generated_at: "2026-05-15T04:33:06.534967+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.9
calibrated_materiality_score: 0.9
confidence: "high"
source: SEC EDGAR
---

# Virginia National Bankshares reports Q1 2026 net income of $5.3M ($0.97 per share), declares $0.36 dividend

## Summary
- Q1 2026 net income $5.3 million, up 17.2% from $4.5 million in Q1 2025; diluted EPS $0.97 vs $0.83.
- Board declared quarterly cash dividend of $0.36 per share, payable May 29 to holders of record May 13.
- Net interest margin improved to 3.40% from 3.28%; efficiency ratio improved to 56.6% from 62.4%.
- Return on average assets rose to 1.30% from 1.12%; return on average equity rose to 11.34% from 11.05%.
- Gross loans $1.2 billion, down $4.8 million; securities balances declined $22.5 million from prior year.

## SEC filing metadata
- accession: 0001193125-26-171985
- form_type: 8-K
- ticker: VABK
- cik: 0001572334
- company_name: Virginia National Bankshares Corp
- filed_at: 2026-04-23T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.9
- calibrated_materiality_score: 0.9
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1572334/000119312526171985/0001193125-26-171985-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1572334/000119312526171985/vabk-20260422.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-26-171985
- JSON: https://secwatch.observer/filing/0001193125-26-171985.json
- Plain text: https://secwatch.observer/filing/0001193125-26-171985.txt

## Key facts
- Earnings Releases
  Virginia National Bankshares Corp reported the quarter ended March 31, 2026 results: net income $5.3 million, EPS $0.97 per diluted share.
  - Period: the quarter ended March 31, 2026
  - Net income: $5.3 million
  - EPS: $0.97 per diluted share
  - Result: reported results
  source text: Virginia National Bankshares Corporation (NASDAQ: VABK) (the “Company”) today reported quarterly net income of $5.3 million, or $0.97 per diluted share, for the quarter ended March 31, 2026
  evidence_url: https://www.sec.gov/Archives/edgar/data/1572334/000119312526171985/0001193125-26-171985-index.htm

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