BlastPoint's Banking Scorecard
Virginia National Bank
Community
Specialty: Commercial
VA
FDIC cert 34755
Charlottesville, VA
1484
banks in Community tier nationally
32 in VA
View Community leaderboard (VA) →
Virginia National Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 9.11% above tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 32% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.6B
+2.0% YoY
+2.7% QoQ
|
+$256.4M |
$1.4B
+2.0% YoY
|
$17.5B
+24.6% YoY
|
$5.9B
+6.5% YoY
|
74% |
| Total Loans ? |
$1.2B
+0.1% YoY
+0.2% QoQ
|
+$253.8M |
$975.5M
+2.4% YoY
|
$10.7B
+28.4% YoY
|
$3.1B
+8.5% YoY
|
75% |
| Total Deposits ? |
$1.4B
+0.6% YoY
+3.4% QoQ
|
+$268.2M |
$1.2B
+1.7% YoY
|
$13.8B
+21.4% YoY
|
$4.7B
+6.3% YoY
|
75% |
| Return on Assets ? |
1.29%
+11.8% YoY
+5.7% QoQ
|
+0.13% |
1.16%
+17.2% YoY
|
0.94%
+24.9% YoY
|
1.12%
+15.6% YoY
|
63% |
| Net Interest Margin ? |
3.43%
+9.3% YoY
+0.8% QoQ
|
-0.24% |
3.66%
+9.1% YoY
|
3.66%
+9.0% YoY
|
3.75%
+7.1% YoY
|
38% |
| Efficiency Ratio ? |
52.07%
-7.3% YoY
-4.4% QoQ
|
-10.56% |
62.63%
-5.3% YoY
|
66.70%
-6.7% YoY
|
65.09%
-5.1% YoY
|
80% |
| Delinquency Rate ? |
0.75%
+205.4% YoY
+36.2% QoQ
|
+0.12% |
0.63%
+18.3% YoY
|
0.75%
+37.7% YoY
|
0.66%
+20.3% YoY
|
34% |
| Loan-to-Deposit Ratio ? |
85.80%
-0.4% YoY
-3.0% QoQ
|
+2.74% |
83.06%
+0.3% YoY
|
79.98%
+0.8% YoY
|
78.04%
+0.7% YoY
|
47% |
| Non-Interest-Bearing Deposit Share ? |
25.36%
-3.7% YoY
-3.1% QoQ
|
+4.32% |
21.05%
-0.9% YoY
|
24.23%
+0.2% YoY
|
21.79%
-1.3% YoY
|
71% |
| Nonperforming Asset Ratio ? |
0.56%
+199.9% YoY
+32.9% QoQ
|
+0.06% |
0.50%
+20.3% YoY
|
0.53%
+39.4% YoY
|
0.48%
+20.8% YoY
|
35% |
| Tier 1 Capital Ratio ? |
19.36%
+8.9% YoY
+1.5% QoQ
|
+9.11% |
10.24%
-0.6% YoY
|
11.48%
+7.9% YoY
|
9.75%
-1.9% YoY
|
Top 8% in tier |
| Non-Interest Income / Assets ? |
0.36%
-21.2% YoY
+30.9% QoQ
|
-0.38% |
0.74%
-1.3% YoY
|
0.64%
-0.2% YoY
|
0.65%
+0.6% YoY
|
31% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 8%
in Community
Why this stands out
Current:
19.36%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (1)
Liquidity Overhang
risk
#86 of 268 · Bottom 32% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
19.36%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
85.80%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
92
92th pctile
Tier 1 Capital Ratio
Current: 19.36% · Tier avg: 10.24%
80
80th pctile
Efficiency Ratio
Current: 52.07% · Tier avg: 62.63%
75
75th pctile
Total Deposits
Current: $1.4B · Tier avg: $1.2B
75
75th pctile
Total Loans
Current: $1.2B · Tier avg: $975.5M
74
74th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
71
71th pctile
Non-Interest-Bearing Deposit Share
Current: 25.36% · Tier avg: 21.05%
63
63th pctile
Return on Assets
Current: 1.29% · Tier avg: 1.16%
47
47th pctile
Loan-to-Deposit Ratio
Current: 85.80% · Tier avg: 83.06%
38
38th pctile
Net Interest Margin
Current: 3.43% · Tier avg: 3.66%
35
35th pctile
Nonperforming Asset Ratio
Current: 0.56% · Tier avg: 0.50%
34
34th pctile
Delinquency Rate
Current: 0.75% · Tier avg: 0.63%
31
31th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.74%
Top Weaknesses
31
31th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.74%
34
34th pctile
Delinquency Rate
Current: 0.75% · Tier avg: 0.63%
35
35th pctile
Nonperforming Asset Ratio
Current: 0.56% · Tier avg: 0.50%
38
38th pctile
Net Interest Margin
Current: 3.43% · Tier avg: 3.66%
47
47th pctile
Loan-to-Deposit Ratio
Current: 85.80% · Tier avg: 83.06%
63
63th pctile
Return on Assets
Current: 1.29% · Tier avg: 1.16%
71
71th pctile
Non-Interest-Bearing Deposit Share
Current: 25.36% · Tier avg: 21.05%
74
74th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
75
75th pctile
Total Loans
Current: $1.2B · Tier avg: $975.5M
75
75th pctile
Total Deposits
Current: $1.4B · Tier avg: $1.2B
80
80th pctile
Efficiency Ratio
Current: 52.07% · Tier avg: 62.63%
92
92th pctile
Tier 1 Capital Ratio
Current: 19.36% · Tier avg: 10.24%