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Dec 31, 2025
VNB Q4 2025 Earnings Report
Virginia National Bankshares reported higher net income and improved efficiency in Q4 2025.
Key Takeaways
Virginia National Bankshares delivered a strong Q4 2025, with increased net income, improved efficiency, and higher returns on assets and equity. The results reflect strategic cost control and stable asset quality.
Net income rose to $5.96 million, up from $4.56 million in Q4 2024.
EPS reached $1.10, compared to $0.85 in the same quarter last year.
Efficiency ratio improved significantly to 49.5%.
Return on average equity increased to 13.04%.
Revenue by Segment
Forward Guidance
Management highlighted strong capital and liquidity positions, stable asset quality, and a continued focus on efficiency. No formal numeric guidance was issued.
Positive Outlook
- Efficiency ratio showed continued improvement
- Capital and liquidity positions remain strong
- Net interest margin improved sequentially and YoY
- Stable credit performance with minimal charge-offs
- Loan yields improved despite rate environment
Challenges Ahead
- Noninterest income declined 26.2% YoY
- Modest loan growth reported
- Nonperforming assets increased YoY
- Deposit competition remains a challenge
- ICS deposits increased, indicating reliance on insured sweep products
Historical Earnings Impact
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Avg. Return Before/After Earnings
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