Virginia National Bankshares Q2 net income $9.0M ($1.65 EPS) vs $4.2M ($0.78) YoY; NIM expands to 3.65%

Virginia National Bankshares Corp

Net income $9.0M ($1.65 diluted EPS) vs $4.2M ($0.78) in Q2 2025; ROAA improved to 2.24% from 1.05%.
Net interest margin (FTE) 3.65% vs 3.40% YoY; efficiency ratio improved to 41.6% from 61.2%.
Noninterest income up $4.7M (360%) due to $4.7M gain on sale of Bearing Insurance Group interest.
Quarterly dividend $0.36 per share declared, payable Aug 28, 2026 to holders of record Aug 14, 2026.
Nonperforming assets 0.35% of total assets vs 0.48% a year ago; book value per share $35.89 vs $31.67.

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