Risk factors

Virginia National Bankshares (VABK) risk factors

Item 1A of every Virginia National Bankshares Corp. 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.

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  • FY2025 10-K risk factors
    35 risks2 new2 dropped5 reworded

    The bank added risks concerning third-party AI deployment and retailer data breaches affecting card issuance. Macro banking panic and specific CFPB concerns were dropped.

    Filed Mar 27, 2026
  • FY2024 10-K risk factors
    35 risks

    Virginia National Bankshares operates in a highly regulated banking environment with credit risk concentrated in small and mid-sized community businesses and commercial real estate.

    Filed Mar 28, 2025