Virginia National Bankshares Corporation is classed by the SEC under National Commercial Banks (industry code 6021), based in Charlottesville, VA. Its latest filed balance sheet (2025-12-31) shows total assets of $1.6 billion (its filed statements).
Lending businessNational Commercial BanksCharlottesville, VAfilings since 20138 of 9 filed, 1 estimated
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a lending business: prior from its industry code (SEC 6021, National Commercial Banks); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 5.1 out of ten, 8 of 9 metrics filed and 1 estimated: past 6.0 out of ten, present 4.7 out of ten, future 4.3 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
Surviving crises (past): 7.5 out of ten. No warning events in its filings since 2017. 75th percentile among 83 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Track record (past): 7.7 out of ten. +16.7% a year over 10 filed years; profitable in 10 of 10. 77th percentile among 79 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Shareholder treatment (past): 3.0 out of ten. Share count grew 0.4% a year. 1% of cash flow returned. Insiders: 0 sales, 0 purchases. 30th percentile among 81 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Financial health (present): 5.3 out of ten. ROE 10%: 10¢ of profit per shareholder dollar. Leverage 89%: owes 89¢ per asset dollar. 53rd percentile among 83 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Industry position (present): 3.1 out of ten. bottom 32% of 79 in its family; net margin 24.9%. 32nd percentile among 79 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Leadership (present): 5.9 out of ten. top 41% of 74 in its family for leadership; chief executive since 2014. 59th percentile among 74 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
Room to expand (future): 7.1 out of ten. CrossAssetData estimate 7.1/10, confidence 35 of 100 (one part). 71st percentile among 83 sector filers. A CrossAssetData estimate, not a filed reading: one part, confidence 35 of 100; a filing that carries the missing parts replaces this estimate with the filed reading.
Growth drivers (future): 2.5 out of ten. bottom 25% of 79 in its family for growth drivers. 25th percentile among 79 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Expectations vs reality (future): 3.3 out of ten. bottom 33% of 76 in its family for expectations against reality. 33rd percentile among 76 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 10-K filed 2026-03-27 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-13 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-07-23 for the period ended 2026-07-22 (on EDGAR). Newest filing: Form 8-K, 2026-10-08. Filings on record since 2013. Read from EDGAR 2026-10-12.
Who runs it
Rust, Glenn W (President and CEO); Liles, Cathy W (Chief Financial Officer & EVP); Burrows, Robert Lee Jr. (director); Adams, John Buchanan Jr (director); Carter, Kevin T (director); Craig, Hunter E (director); Dittmar, William D Jr. (director); Frostick, Randolph D (director); Houston, Linda M (director); Keyser, Jay B (director); and 2 more. 12 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.
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