VABK director awarded 1,100 restricted shares

Virginia National Bankshares Corp director Kevin T. Carter reported an award of 1,100 shares of common stock on January 30, 2026.

Rhea-AI Filing Summary

Virginia National Bankshares Corp director Kevin T. Carter reported an award of 1,100 shares of common stock on January 30, 2026. The restricted stock grant vests in four equal annual installments beginning January 30, 2027. After this award, he directly owns 14,577.85 shares, including 291.28 shares acquired through dividend reinvestment under the Investors Choice Dividend Reinvestment & Direct Stock Purchase and Sale Plan.

Insider Trade Summary

Grant/Award: 1,100 shares

Grant/Award 1 txn

Insider CARTER KEVIN T

Role Director

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

Holdings After Transaction: Common Stock — 14,577.85 shares (Direct)

Footnotes (2)

1. F1. This restricted stock grant vests in four equal annual installments beginning January 30, 2027.
2. F2. Includes 291.28 shares acquired since the most recent Section 16 filing by reinvestment of dividends under the Investors Choice Dividend Reinvestment & Direct Stock Purchase and Sale Plan

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What insider transaction did VABK director Kevin T. Carter report?

Kevin T. Carter reported receiving 1,100 shares of Virginia National Bankshares common stock. The shares were awarded on January 30, 2026 as a restricted stock grant, with no cash price per share shown for the award in the filing.

How does the restricted stock grant for VABK vest over time?

The restricted stock grant vests in four equal annual installments. Vesting begins on January 30, 2027, meaning one-quarter of the 1,100 shares will vest each year over four years, subject to the grant’s continuing conditions.

How many VABK shares does Kevin T. Carter own after this transaction?

After the reported grant, Kevin T. Carter beneficially owns 14,577.85 VABK shares directly. This total reflects his holdings following the 1,100-share restricted stock award reported as of the January 30, 2026 transaction date.

What portion of Kevin T. Carter’s VABK shares came from dividend reinvestment?

The reported holdings include 291.28 shares from dividend reinvestment. These shares were acquired since his most recent Section 16 filing through the Investors Choice Dividend Reinvestment & Direct Stock Purchase and Sale Plan, which automatically reinvests cash dividends into additional stock.

Is Kevin T. Carter’s ownership in VABK direct or through another entity?

The filing reports Kevin T. Carter’s VABK ownership as direct. The ownership form box indicates “D” for direct ownership, and there is no footnote describing any trust, partnership, or other entity holding the reported shares on his behalf.

What role does Kevin T. Carter hold at Virginia National Bankshares Corp (VABK)?

Kevin T. Carter is identified as a director of Virginia National Bankshares Corp. The relationship section of the filing checks the box for “Director” only, with no officer title or 10% owner status indicated for this reporting person.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 02/03/2026 - 10:38 AM EST 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^*

CARTER KEVIN T

(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	01/30/2026		A		1,100(1)	A	$0	14,577.85(2)	D

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 restricted stock grant vests in four equal annual installments beginning January 30, 2027.

2. Includes 291.28 shares acquired since the most recent Section 16 filing by reinvestment of dividends under the Investors Choice Dividend Reinvestment & Direct Stock Purchase and Sale Plan

	/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.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.