Virginia National Bank
Charlottesville, VA
IDRSSD: 2708122
Total Assets
$1.65B
Latest filing
Total Deposits
$1.43B
Latest filing
Net Interest Margin
3.54%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Virginia National Bank
222 E Main St
Charlottesville, VA 22902
Full Service - Brick and Mortar
Updated 01/30/2026Established 07/29/1998FDIC Certificate 61527
Branches (15)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| Virginia National Bank (Main) | 222 E Main St | Charlottesville, VA |
| THE PLAINS BRANCH | 6464 Main St | The Plains, VA |
| VIEW TREE BRANCH | 87 W Lee Hwy | Warrenton, VA |
| CATLETT BRANCH | 3543 Catlett Rd | Catlett, VA |
| NEW BALTIMORE BRANCH | 5119 Lee Hwy | Warrenton, VA |
| MANASSAS BRANCH | 8091 Sudley Rd | Manassas, VA |
| BARRACKS ROAD OFFICE | 1900 Arlington Blvd | Charlottesville, VA |
| MESSENGER SERVICE/MAIN OFFICE | 222 E Main St | Charlottesville, VA |
Showing 7 of 15
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 07/29/1998 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 22902 |
| State and County Number | 51540 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 05 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Charlottesville, VA |
Operational Info
| Number of Employees | 144 |
| Domestic Offices | 16 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 07/29/1998 |
| Primary Insurance Agency | DIF |
| Website | www.vnb.com |
| Data Updated | 01/30/2026 |
| CERT | 34755 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.65B |
| Total Deposits | $1.43B |
| Total Liabilities | $1.46B |
| Total Equity Capital | $184.82M |
| Net Income | $6.16M |
| Net Loans and Leases | $1.23B |
| Assets Per Employee ($Millions) | $11.44M |
| Bank Premises and Fixed Assets | $17.98M |
| Cash and Balances due from Depository Institutions | $70.61M |
| Deposits Held in Domestic Offices | $1.43B |
Key Performance Ratios
| Return on Assets (ROA) | 1.52% |
| Return on Equity (ROE) | 13.59% |
| Net Interest Margin | 3.54% |
| Efficiency Ratio | 45.13% |
| Tier 1 Risk-Based Capital Ratio | 19.358% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.01% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.216% |
| Earning Assets to total Assets | 93.33% |
Income and Expense
| Total Interest Income | $19.63M |
| Total Noninterest Income | $1.52M |
| Total Interest Expense | $6.21M |
| Total Noninterest Expense | $7.01M |
| Net Interest Income | $13.43M |
| Pre-tax Net Operating Income | $7.98M |
| Provision for Credit Losses | $-36,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $20.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $10.26M |
| Total Liabilities and Capital | $1.65B |
Securities
| Securities | $247.99M |
| Available-for-sale debt securities | $247.99M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Virginia National Bank?
$1.65B as of the latest filing.
How much are Virginia National Bank's total deposits?
$1.43B in total deposits.
Where is Virginia National Bank located?
Charlottesville, VA.
What is the Net Interest Margin?
3.54%.
How many domestic offices does it operate?
16.
When was it established?
07/29/1998.
What is the Return on Assets (ROA)?
1.52%.
How much are total loans and leases?
$1.23B (latest filing).
What is the total interest income (latest filing)?
$19.63M.