| Metric | Virginia National Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.2% | +5.5% | -5.3 pts |
| Deposit growth (YoY) | +1.4% | +5.1% | -3.6 pts |
| Loan growth (YoY) | -0.6% | +5.9% | -6.5 pts |
| ROA | 1.86% | 1.26% | +0.6 pts |
| ROE | 16.2% | 12.2% | +4.0 pts |
ROA ranks in the 84th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.64B | $1.41B | $1.23B | $195.2M | $15.3M | 1.86% | 3.52% | 0.35% |
| Q1 2026 | $1.65B | $1.43B | $1.23B | $186.8M | $5.8M | 1.40% | 3.38% | 0.36% |
| Q4 2025 | $1.65B | $1.43B | $1.23B | $184.8M | $21.0M | 1.29% | 3.43% | 0.56% |
| Q3 2025 | $1.60B | $1.39B | $1.23B | $178.1M | $14.9M | 1.22% | 3.40% | 0.42% |
| Q2 2025 | $1.63B | $1.39B | $1.23B | $171.9M | $9.9M | 1.22% | 3.35% | 0.48% |
| Q1 2025 | $1.63B | $1.43B | $1.23B | $168.2M | $5.1M | 1.25% | 3.29% | 0.31% |
| Q4 2024 | $1.62B | $1.42B | $1.23B | $161.6M | $18.7M | 1.16% | 3.14% | 0.19% |
| Q3 2024 | $1.61B | $1.38B | $1.21B | $167.2M | $13.7M | 1.13% | 3.08% | 0.33% |
Loan mix (Q2 2026): real estate $950.5M · commercial $256.3M · consumer $24.5M · securities $234.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Virginia National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.86% | 1.26% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 16.2% | 12.2% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.52% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 43.2% | 59.0% | 10th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Virginia National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Virginia National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Virginia National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Virginia National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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