{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-26-314197","form_type":"8-K","ticker":"VABK","cik":"0001572334","company_name":"Virginia National Bankshares Corp","filed_at":"2026-07-23T20:30:15+00:00","discovered_at":"2026-07-23T20:31:00.388847+00:00","generated_at":"2026-07-23T20:31:18.165097+00:00","sec_items":["2.02","8.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Virginia National Bankshares Q2 net income $9.0M ($1.65 EPS) vs $4.2M ($0.78) YoY; NIM expands to 3.65%","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-26-314197","json":"https://secwatch.observer/filing/0001193125-26-314197.json","markdown":"https://secwatch.observer/filing/0001193125-26-314197.md","text":"https://secwatch.observer/filing/0001193125-26-314197.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1572334/000119312526314197/0001193125-26-314197-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1572334/000119312526314197/vabk-20260722.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-23T20:31:18.165097+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"}