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Virginia National Bankshares Corporation files its annual report describing a well-capitalized Virginia community banking group focused on commercial, real estate and consumer lending, deposits, and trust and estate services. The company primarily serves markets around Charlottesville, Winchester, Manassas and Richmond.
As of December 31, 2025, the holding company reported Tier 1 and CET1 capital ratios of 19.60%, total capital of 20.42%, and a 12.52% leverage ratio, while the bank subsidiary showed similarly strong ratios and a “well capitalized” status. Non‑affiliate market value was about $174.4 million as of June 30, 2025, and 5,422,082 common shares were outstanding on March 23, 2026.
The filing details extensive regulatory oversight, conservative dividend constraints, and adoption of the CECL credit loss standard. Key risks include high exposure to real estate and commercial real estate lending, sensitivity to interest rates and inflation, economic downturns in its Virginia markets, cybersecurity threats, and evolving consumer protection and data-privacy rules.
Burrows Robert Lee Jr. reported acquisition or exercise transactions in this Form 4 filing.
Virginia National Bankshares Corp director Robert Lee Burrows Jr. received a grant of 1,100 shares of common stock on February 25, 2026 as a restricted stock award. The grant had no cash purchase price and is compensation-related, not an open-market purchase. The restricted shares vest in four equal annual installments beginning on February 25, 2027, spreading the benefit over several years. Following this award, Burrows directly holds a total of 1,354 common shares.
Virginia National Bankshares Corp director Robert Lee Burrows Jr. filed an initial ownership report on the company’s common stock. The Form 3 shows indirect ownership of 254 shares of common stock, held in an entity described as RLB CRUT, with no buy or sell transaction reported.
Virginia National Bankshares Corporation reported a board change. On January 30, 2026, its Board of Directors appointed Robert Lee Burrows, Jr. as a director of the Company, effective February 25, 2026. He was also appointed to the board of its wholly owned subsidiary, Virginia National Bank.
Mr. Burrows will receive compensation in line with other non-employee directors, based on the Company’s proxy statement for the 2025 annual meeting of shareholders. As of this report, he has not been assigned to any board committee. The Company issued a press release about his appointment, filed as Exhibit 99.1.
Virginia National Bankshares director Craig E. Hunter reported an award of 1,100 shares of common stock as restricted stock. The shares were granted on January 30, 2026 at a reported price of $0 per share and are structured as equity compensation rather than an open-market purchase.
This restricted stock grant vests in four equal annual installments beginning January 30, 2027. After this grant, Hunter beneficially owns 237,550 shares of Virginia National Bankshares common stock in direct ownership.
Virginia National Bankshares director reports restricted stock grant. Director Strange Sterling T III received 1,100 shares of Virginia National Bankshares Corp common stock on January 30, 2026 as an acquisition coded "A" at a price of $0 per share, reflecting a restricted stock award. After this grant, he beneficially owns 13,472 common shares on a direct basis. The restricted stock grant vests in four equal annual installments beginning January 30, 2027.
Virginia National Bankshares director receives restricted stock grant
Virginia National Bankshares Corp director Randolph D. Frostick reported receiving 1,100 shares of common stock as a restricted stock grant on January 30, 2026, at a price of $0 per share. After this award, he beneficially owns 15,016 common shares directly.
The restricted stock grant vests in four equal annual installments beginning on January 30, 2027, meaning the shares become fully owned over a four-year period as long as vesting conditions are met.
Virginia National Bankshares Corp’s President and CEO, Rust Glenn W, reported an equity award of common stock. On January 30, 2026, he acquired 9,164 shares of common stock at a price of $0, reflecting a restricted stock grant rather than an open-market purchase.
After this grant, he beneficially owns 78,522 shares of Virginia National Bankshares common stock in direct form. The award is structured to vest in four equal annual installments beginning on January 30, 2027, aligning the CEO’s compensation with long-term company performance.
Virginia National Bankshares director Gregory L. Wells received a restricted stock grant of 1,100 shares of common stock on January 30, 2026. The award was granted at a price of $0 per share and increased his directly held position to 17,969 shares.
The restricted stock will vest in four equal annual installments beginning on January 30, 2027, meaning the director will receive one-quarter of the shares each year over a four-year period as long as vesting conditions are met.
Virginia National Bankshares Corp director Linda M. Houston received a restricted stock grant of 1,100 shares of common stock on January 30, 2026. The shares were granted at a price of $0 per share and increase her directly held ownership to 14,127 shares.
The restricted stock vests in four equal annual installments beginning January 30, 2027, meaning a quarter of the grant becomes transferable each year over four years.