VABK director receives 1,100 restricted stock shares

Virginia National Bankshares Corp director Jay B. Keyser reported an award of 1,100 shares of common stock on January 30, 2026.

Rhea-AI Filing Summary

Virginia National Bankshares Corp director Jay B. Keyser reported an award of 1,100 shares of common stock on January 30, 2026. The shares are restricted stock that will vest in four equal annual installments beginning January 30, 2027.

Following this grant, Keyser directly held 8,083 common shares. He also indirectly held 3,033 shares through a revocable trust and 6,168 shares through an LLC, reflecting his combined direct and indirect ownership positions in the company.

Insider Trade Summary

Grant/Award: 1,100 shares

Grant/Award 3 txns

Insider Keyser Jay B

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Common Sto	1,100	$0.00	$0.00
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--

Holdings After Transaction: Common Sto — 8,083 shares (Direct); Common Stock — 3,033 shares (Indirect, By Revocable Trust); Common Stock — 6,168 shares (Indirect, By LLC)

Footnotes (1)

1. F1. This includes 1,100 shares restricted stock which vests in four equal annual installments beginning January 30, 2027.

FAQ

What insider transaction did VABK director Jay B. Keyser report?

Director Jay B. Keyser reported receiving 1,100 shares of Virginia National Bankshares common stock as a restricted stock award. The grant was recorded on January 30, 2026 and reflects equity-based compensation rather than an open-market purchase or sale.

How do the 1,100 VABK restricted shares for Jay B. Keyser vest?

The 1,100 restricted shares granted to Jay B. Keyser vest in four equal annual installments. Vesting begins on January 30, 2027, meaning one-quarter of the award becomes unrestricted each year over a four-year period, assuming applicable conditions are satisfied.

How many VABK shares does Jay B. Keyser own directly after this filing?

After the reported restricted stock grant, Jay B. Keyser directly owned 8,083 shares of Virginia National Bankshares common stock. This figure represents his direct holdings only and is separate from any shares held indirectly through entities he is associated with.

What indirect VABK holdings are reported for Jay B. Keyser?

Jay B. Keyser reported indirect ownership of 3,033 Virginia National Bankshares shares through a revocable trust and 6,168 shares through an LLC. These positions reflect beneficial ownership via entities rather than shares registered in his personal name.

Was cash paid for the 1,100 VABK restricted shares reported by Jay B. Keyser?

The 1,100 restricted shares were reported at a price of $0.0 per share, indicating they were granted as compensation rather than purchased for cash. This treatment is typical for equity awards issued under company incentive or director compensation programs.

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Accepted by SEC EDGAR 02/03/2026 - 10:38 AM Learn about SEC filing dates

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Keyser Jay B

(Last) (First) (Middle)

404 PEOPLE PLACE

(Street)

CHARLOTTESVILLE VA 22911

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
Virginia National Bankshares Corp [ VABK ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

3. Date of Earliest Transaction (Month/Day/Year)
01/30/2026

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock								3,033	I	By Revocable Trust
Common Sto	01/30/2026		A		1,100(1)	A	$0.0	8,083	D
Common Stock								6,168	I	By LLC

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. This includes 1,100 shares restricted stock which vests in four equal annual installments beginning January 30, 2027.

	/s/ Cathy W. Liles, Attorney-in-fact	02/03/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
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