---
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"
generated_at: "2026-07-23T20:31:18.165097+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-26-314197
- JSON: https://secwatch.observer/filing/0001193125-26-314197.json
- Plain text: https://secwatch.observer/filing/0001193125-26-314197.txt

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