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Virginia National Bankshares (VABK) investor relations material
Virginia National Bankshares Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary24 Jul, 2025
Executive summary
Net income for Q2 2025 was $4.2 million ($0.78 per diluted share), up slightly from Q2 2024; YTD net income rose 12% to $8.7 million ($1.61 per diluted share) year-over-year.
Net interest income (FTE) rose to $12.9 million for Q2 2025, a $1.6 million increase year-over-year, with net interest margin (FTE) improving to 3.40%.
Tangible book value per share increased to $29.63 from $26.44 year-over-year; book value per share rose to $31.67 from $28.70.
The company remains well-capitalized, with all regulatory capital ratios significantly above required minimums.
Dividend of $0.36 per share declared, annual yield of 3.78% based on July 23, 2025 closing price.
Financial highlights
Net interest income (FTE) for the six months was $25.3 million, up $3.0 million year-over-year; net interest margin (FTE) was 3.34%, up 36 bps.
Noninterest income for Q2 2025 was $1.3 million, down 22.5% year-over-year, mainly due to lower debit/credit card, ATM, and wealth management fees.
Noninterest expense for Q2 2025 was $8.7 million, up 6.9% year-over-year, driven by higher bank franchise tax, data processing, and legal expenses.
Efficiency ratio (FTE) improved to 61.2% for Q2 2025 from 62.7% in Q2 2024.
Total assets reached $1.63 billion as of June 30, 2025, up 1.1% from December 31, 2024.
Outlook and guidance
Management expects continued focus on asset-liability management, operating efficiencies, and asset quality to support future performance.
The company will monitor inflation, interest rates, and economic growth, with the Federal Reserve maintaining the target rate at 4.25%-4.50% in 2025.
Forward-looking statements caution about economic, regulatory, and market uncertainties; no material changes to risk factors since last annual report.
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Next Virginia National Bankshares earnings date
Q3 202530 Oct, 2025
Next Virginia National Bankshares earnings date
Q3 202530 Oct, 2025
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Frequently asked questions
Virginia National Bankshares Corporation operates as the holding company for Virginia National Bank. The company provides a broad range of commercial and retail banking services. Its banking segment offers products like checking accounts, money market deposit accounts, certificates of deposit, and individual retirement accounts. Additionally, Virginia National Bankshares offers various lending solutions, including commercial and industrial loans, real estate and construction loans, residential mortgages, and consumer loans. The company is headquartered in Charlottesville, Virginia, and its shares are listed on the NASDAQ.
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