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Virginia National Bankshares Corp

For the period ended Dec 31, 2025. Filed Mar 27, 2026.

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A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.

FY2025 · Filed Mar 27, 2026

VABK$53.37+1.1%Stored close · as of Nov 9, 2026

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Item 16. Form 10-K Summary

ExhibitNumberDescription of Exhibit
3.1Articles of Incorporation of Virginia National Bankshares Corporation, as amended and restated (incorporated by reference to Exhibit 3.1 to Virginia National Bankshares Corporation’s Pre-effective Amendment No. 1 to Form S-4 Registration Statement filed with the Securities and Exchange Commission on April 12, 2013).
3.2Bylaws of Virginia National Bankshares Corporation, as amended (incorporated by reference to Exhibit 3.2 of Virginia National Bankshares Corporation’s Current Report on Form- 8-K filed with the Securities and Exchange Commission on April 1, 2021).
4.1Description of Securities Registered under Section 12(b) of the Securities Exchange Act of 1934 (incorporated by reference to Exhibit 4.1 to Virginia National Bankshares Corporation’s Annual Report on Form 10-K filed with the Securities and Exchange Commission on March 29, 2023).
10.1†Virginia National Bankshares Corporation 2014 Stock Incentive Plan (incorporated by reference to Exhibit 99.2 to Virginia National Bankshares Corporation’s Registration Statement on Form S-8 filed with the Securities and Exchange Commission on July 25, 2017).
10.2†Virginia National Bankshares Corporation Amended and Restated 2022 Stock Incentive Plan (incorporated by reference to Appendix A to Virginia National Bankshares Corporation’s Proxy Statement for the Annual Meeting of Shareholders held on July 24, 2025, filed with the Securities and Exchange Commission on May 30, 2025).
10.3†Form of Amendment and Restated Management Continuity Agreement executed October 23, 2024 between Virginia National Bankshares Corporation and Glenn W. Rust, Virginia R. Bayes, and Tara Y. Harrison (incorporated by reference to Exhibit 10.3 to Virginia National Bankshares Corporation’s Annual Report on Form 10-K filed with the Securities and Exchange Commission on March 28, 2025)
19.1Insider Trading Policy (incorporated by reference to Exhibit 19.1 to Virginia National Bankshares Corporation’s Annual Report on Form 10-K filed with the Securities and Exchange Commission on March 28, 2025).
21.1Subsidiaries of the Registrant (refer to Item 1. Business of this Form 10-K Report for a discussion of Virginia National Bankshares Corporation’s direct and indirect subsidiaries).
23.1Consent of Yount, Hyde and Barbour, P.C.
31.1302 Certification of Principal Executive Officer
31.2302 Certification of Principal Financial Officer
32.1906 Certification
97Virginia National Bankshares Corporation Clawback Policy (incorporated by reference to Exhibit 97 to Virginia National Bankshares Corporation’s Annual Report on Form 10-K filed with the Securities and Exchange Commission on March 28, 2024).
101.0Interactive data files pursuant to Rule 405 of Regulation S-T, formatted in Inline eXtensible Business Reporting Language (Inline XBRL), (i) the Consolidated Balance Sheets as of December 31, 2025 and December 31, 2024, (ii) the Consolidated Statements of Income for the years ended December 31, 2025 and December 31, 2024, (iii) the Consolidated Statements of Comprehensive Income for the years ended December 31, 2025 and December 31, 2024, (iv) the Consolidated Statements of Changes in Shareholders’ Equity for years ended December 31, 2025 and December 31, 2024, (v) the Consolidated Statements of Cash Flows for the years ended December 31, 2025 and December 31, 2024, and (vi) the Notes to Consolidated Financial Statements (furnished herewith), tagged as blocks of text and including detailed tags.
104Cover Page Interactive Data File: the cover page XBRL tags are embedded within the Inline XBRL document and are contained within Exhibit 101.0
  • Filed herewith.

† Management contract or compensatory plan or agreement

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