Virginia National Bank Q2 Profit Rises
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jul 30 2025
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Source: NASDAQ.COM
Net Interest Income Growth: Virginia National Bankshares reported a 14.4% increase in net interest income for Q2 2025, reaching $12.8 million, driven by loan growth and improved cost management, while noninterest income fell by 22.5% due to declines in wealth management and account fees.
Asset Quality and Operational Efficiency: Nonperforming assets rose to 0.48% of total assets, prompting monitoring of credit quality trends, while the bank maintained strong capital ratios and improved its efficiency ratio from 62.7% to 61.2%, indicating better revenue growth relative to expenses.
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Analyst Views on VABK
About VABK
Virginia National Bankshares Corporation is a bank holding company for Virginia National Bank (the Bank). The Bank is engaged in the commercial and retail banking business. It operates through four segments: Bank, VNB Trust and Estate Services, and Masonry Capital. The Bank’s commercial banking activities involve making loans, taking deposits and offering related services to individuals, businesses and charitable organizations. VNB Trust and Estate Services offers corporate trustee services, trust and estate administration, individual retirement account (IRA) administration and custody services, and offers in-house investment management services. The Masonry Capital segment offers investment management services for separately managed accounts and a private investment fund. It offers a range of banking and related financial services to meet the needs of individuals, businesses, and charitable organizations, including the fiduciary services of VNB Trust and Estate Services.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Virginia National Bankshares Reports Strong Q4 Earnings
- Earnings Performance: Virginia National Bankshares reported a Q4 GAAP EPS of $1.10 and revenue of $15.02 million, indicating strong financial performance that is likely to positively impact stock prices.
- Loan Growth: As of December 31, 2025, total loans reached $814 million, a 13% increase from $721 million on September 30, 2025, and a 21% rise compared to $670 million on December 31, 2024, demonstrating sustained demand for credit.
- Deposit Increase: Total deposits grew from $1.16 billion on September 30, 2025, to $1.24 billion on December 31, 2025, a 7% increase, and up 43% from $866 million on December 31, 2024, reflecting enhanced customer trust.
- Stable Asset Quality: The bank reported only $106 thousand in non-performing assets as of December 31, 2025, maintaining sound asset quality, while the allowance for credit losses on loans rose to $7.4 million, up from $7.0 million in the previous quarter, indicating prudent risk management.
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Virginia National Bankshares Reports Q4 2025 Net Income Growth
- Quarterly Net Income Growth: Virginia National Bankshares reported a net income of $6.0 million for Q4 2025, translating to $1.10 per diluted share, which marks a significant increase from $4.6 million and $0.85 per share in Q4 2024, reflecting the company's ability to enhance profitability amid reduced interest expenses.
- Annual Performance Improvement: For the twelve months ending December 31, 2025, the company achieved a net income of $19.3 million, or $3.55 per diluted share, up from $17.0 million and $3.15 per share in 2024, indicating ongoing improvements in asset quality and capital liquidity.
- Dividend Declaration: The Board declared a quarterly cash dividend of $0.36 per share on January 27, 2026, payable on February 27, 2026, which represents an annual yield of approximately 3.57% based on the closing price on January 27, enhancing shareholder returns.
- Efficiency Ratio Improvement: The efficiency ratio improved to 49.5% in Q4 2025 from 60.2% in Q4 2024, indicating that the company has successfully optimized operations and reduced non-interest expenses, thereby enhancing overall operational efficiency.
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