Virginia National Bank: how it compares with its peers
Against 21 VA banks with half to twice its assets, Virginia National Bank's strongest measure in Q2 2026 is return on assets (1.86% vs. a 1.19% peer median). Its weakest relative measure is net interest margin (3.52% vs. 3.73%).
| Measure | Virginia National Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.86% | 1.19% | Top third Ahead of 95% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.52% | 3.73% | Middle third Ahead of 43% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 43.23% | 61.26% | Top third Ahead of 95% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $11.5M | $7.2M | Top third Ahead of 67% of peers |
| Loans to deposits Net loans and leases over total deposits. | 86.93% | 88.88% | Context |
What it means for lending operations
Its efficiency ratio of 43.23% is better than the 61.26% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Chesapeake Bank Kilmarnock, VA · $1.72B
- Old Dominion National Bank Charlottesville, VA · $1.80B
- The National Bank of Blacksburg Blacksburg, VA · $1.83B
- Bank Of Clarke Berryville, VA · $1.85B
- Benchmark Community Bank Kenbridge, VA · $1.41B
- Farmers & Merchants Bank Timberville, VA · $1.40B
Questions about Virginia National Bank
How big is Virginia National Bank?
Virginia National Bank, established in 1998, is headquartered in Charlottesville, VA. It reported $1.64B in total assets in its Q2 2026 FDIC call report and operates 16 offices.
What is Virginia National Bank's return on assets?
1.86% annualized in Q2 2026, against a 1.19% median for 21 VA banks with half to twice its assets, ahead of 95% of them.
What is Virginia National Bank's efficiency ratio?
43.23% in Q2 2026: it spent about 43 cents in noninterest expense for each dollar of revenue. The peer median is 61.26%, and lower is better.
Is Virginia National Bank growing its loans?
Net loans shrank 0.6% over the year to Q2 2026, while deposits grew 1.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are VA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Virginia bank ranked.