Virginia National Bank
Charlottesville, Virginia, Charlottesville City County
$1.6B in total assets, the 705th largest of 4,309 US banks and 22nd of 57 headquartered in Virginia.
- FDIC certificate
- 34755
- Established
- 1998
- Owned by
- Virginia Natl Bankshares Corp
- Primary regulator
- OCC
- Website
- www.vnb.com
At a glance
Compared with 22 banks headquartered in Virginia with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.6B | 32% | $2.0B | |
| Loans | $1.2B | 46% | $1.4B | |
| Deposits | $1.4B | 32% | $1.7B | |
| Return on assets | 1.62% | 77% | 1.19% | |
| Net interest margin | 3.52% | 41% | 3.68% | |
| Efficiency ratio | 43.2% | 14% | 60.5% | |
| Equity to assets | 11.93% | 82% | 10.33% | |
| Loans to deposits | 88% | 36% | 90% |
Growth
Total assets grew -2.4% a year over the last 5 years and 11.6% a year over 10 years, including 2 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Apr 2021 | The Fauquier Bank Warrenton, VA | $911M |
| Jul 2018 | (unknown, CERT 58748) , VA | $10M |
Where they operate
13 branches in 6 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Albemarle County, VA | $458M | 15.7% | 3 of 15 |
| Fauquier County, VA | $451M | 19.5% | 3 of 10 |
| Charlottesville City County, VA | $233M | 9.4% | 4 of 11 |
| Prince William County, VA | $155M | 2.2% | 12 of 16 |
| Winchester City County, VA | $86M | 5.1% | 6 of 10 |
| Richmond City County, VA | $26M | 0.1% | 15 of 16 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 6 branches since 2016 (7 to 13, +85.7%). 2 opened, 11 acquired, 7 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 7 | |||
| 2016 | Closed Winchester | 0 | 1 | −1 | 6 |
| 2018 | Closed Orange | 0 | 1 | −1 | 5 |
| 2019 | Opened Charlottesville | 1 | 0 | +1 | 6 |
| 2021 | Acquired The Fauquier Bank | 11 | 0 | +11 | 17 |
| 2022 | Opened RichmondClosed 3 in Virginia | 1 | 3 | −2 | 15 |
| 2023 | Closed Warrenton | 0 | 1 | −1 | 14 |
| 2024 | Closed Manassas | 0 | 1 | −1 | 13 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 38% | 36% | |
| 1-4 family residential | 24% | 30% | |
| Business (C&I) | 21% | 10% | |
| Multifamily | 12% | 7% | |
| Construction and land | 3% | 8% | |
| Consumer | 2% | 4% | |
| Farmland | 1% | 2% | |
| Other | 0% | 2% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 54% | 51% | |
| Noninterest-bearing | 26% | 25% | |
| Time deposits | 20% | 24% |
Brokered deposits are 0.0% of deposits (peers 6.6%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.18% | 0.37% |
| Net charge-offs, annualized | 0.00% | 0.06% |
| Reserves to loans | 0.66% | 1.02% |
| Leverage ratio | 13.21% | 10.38% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Virginia
Largest competitors in Albemarle County, VA
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/virginia