Compared with Virginia
16 of 25
compared fees are above the median.
6 below, 3 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
41st percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the Virginia median
of 25 compared; 6 below, 3 about the same
See the feesFee schedule read Oct 14, 2026
Call-report figures are for Virginia National Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 869 banks with $1B to $10B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Virginia median | Published fees above the Virginia median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Virginia National Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 14, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 1.8% of revenue, below the 2.2% median of 869 banks with $1B to $10B in assets (41st percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $359K in Q2 2026, 23% above the same quarter a year earlier ($293K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
16 of 25 compared published fees sit above the Virginia median; 6 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Virginia medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $12.50, the middle of its prices
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Virginia, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 11% from Q3 2025 to Q2 2026, to $359K. Its share of revenue, 1.8%, is below the 2.2% median for banks with $1B to $10B in assets.
$359K
Virginia National BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 869 banks with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $5 to $20; we compare the midpoint.
Virginia National Bank · $1.6B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 20 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Virginia National Bank(this institution) | Charlottesville, VA | $1.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Alma Bank | Astoria, NY | $1.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| BankSouth | Greensboro, GA | $1.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Benchmark Bank | Plano, TX | $1.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| BOM Bank | Natchitoches, LA | $1.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Cape & Coast Bank | Yarmouth Port, MA | $1.7B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Chambers Bank | Danville, AR | $1.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Community Bank | Carmichaels, PA | $1.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Forcht Bank, National Association | Lexington, KY | $1.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Grasshopper Bank, N.A. | New York, NY | $1.6B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Horicon Bank | Horicon, WI | $1.7B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| International Bank of Commerce | Oklahoma City, OK | $1.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| International Finance Bank | Miami, FL | $1.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Landmark National Bank | Manhattan, KS | $1.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Main Street Bank | Marlborough, MA | $1.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Meredith Village Savings Bank | Meredith, NH | $1.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Newburyport Five Cents Savings Bank | Newburyport, MA | $1.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Northfield Savings Bank | Northfield, VT | $1.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pacific National Bank | Miami, FL | $1.6B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| PrimeSouth Bank | Blackshear, GA | $1.6B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Security Bank and Trust Company | Paris, TN | $1.7B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The Nodaway Valley Bank | Maryville, MO | $1.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The Ohio Valley Bank Company | Gallipolis, OH | $1.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The Security National Bank of Sioux City, Iowa | Sioux City, IA | $1.7B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Transportation Alliance Bank, Inc. d/b/a TAB Bank | Ogden, UT | $1.6B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| US Metro Bank | Garden Grove, CA | $1.6B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 17 publish this fee(monthly maintenance)
8 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $12.50, the middle of its two prices, against a peer median of $9 among 17 publishing peers.
Its two checking prices are $5 and $20.
$12.50 is a comparison price, not a fee anyone is charged.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026. Total assets from FDIC and NCUA records.
Call reports for Virginia National Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $359K | −$7K | −1.9% |
| Q1 2026 | $366K | +$27K | +8.0% |
| Q4 2025 | $339K | +$17K | +5.3% |
| Q3 2025 | $322K | +$29K | +9.9% |
| Q2 2025 | $293K | −$14K | −4.6% |
| Q1 2025 | $307K | −$14K | −4.4% |
| Q4 2024 | $321K | +$4K | +1.3% |
| Q3 2024 | $317K | −$21K | −6.2% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, Virginia National Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Virginia National Bank by share.
Amounts from Virginia National Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per hour
per month
per item
per item
per item
per year
per year
per year
per year
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly maintenance fee (Commonwealth Account) | $20Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly maintenance fee (The Virginian) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Escheatment Fee (audience not stated, treated as personal) | $125Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Research (per hour) | $35Not compared: Charged per hour; comparison unavailable | per hour | None |
| Printed Statements (audience not stated, treated as personal) | $5Above the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
| IOLTA: Returned Mail (audience not stated, treated as personal) | $7.50Inside the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Overdraft Paid Item Fee (audience not stated, treated as personal) | $35Above the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| NSF Submission | $35Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Card Replacement (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Expedited Cards (audience not stated, treated as personal) | $45Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Outgoing Domestic Wire Transfer (audience not stated, treated as personal) | $30Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming Domestic Wire Transfer (audience not stated, treated as personal) | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Outgoing International Wire Transfer-Consumer | $70Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Incoming International Wire Transfer (audience not stated, treated as personal) | $18Inside the U.S. middle 50% ($10 to $25 nationally) | per item | None |
Check Services | |||
| Cashier’s Checks (audience not stated, treated as personal) | $10Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payments (audience not stated, treated as personal) | $35Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Counter Checks (audience not stated, treated as personal) | $1Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Non-Customer Check Cashing Fee (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Check Copies (audience not stated, treated as personal) | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Check Images | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| ACH Batch Deletion | $30Above the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| ACH Return/Rejected Report | $20Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Person-to-Person (Zelle©) Payments (audience not stated, treated as personal) | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Returned Deposited Foreign Check (audience not stated, treated as personal) | $30Above the U.S. middle 50% ($8.88 to $25 nationally) | Not stated | None |
| Returned Deposited Item Fee/Chargeback (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($8.88 to $25 nationally) | Not stated | None |
Account Services | |||
| Drilling Fee (audience not stated, treated as personal) | $200Not compared: Box drilling or key fee | Not stated | None |
| Key Replacement (audience not stated, treated as personal) | $20Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10” X 10” (audience not stated, treated as personal) | $200Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3” X 10” (audience not stated, treated as personal) | $80Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3” X 5” (audience not stated, treated as personal) | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5” X 10” (audience not stated, treated as personal) | $95Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5” X 5” (audience not stated, treated as personal) | $60Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Attachment/Tax Levy/Garnishment | $100Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Retirement & IRA | |||
| Retirement/HSA Account Closing Fee (audience not stated, treated as personal) | $10Below the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Duplicate Statements (audience not stated, treated as personal) | $6Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Interim Statements (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
vs. the U.S. middle 50%:BelowInsideAbove
per hour
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Research (per hour) | $35Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| NSF Submission | $35Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
Check Services | |||
| Check Images | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| ACH Batch Deletion | $30Above the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| ACH Return/Rejected Report | $20Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Business Mobile Deposit | No charge | Not stated | None |
Account Services | |||
| Attachment/Tax Levy/Garnishment | $100Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Oct 14, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Virginia National Bank operates, and what regulators and customers have on file.
Branch footprint
13 offices in 1 state, $1.4B in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 4 | $691.8M | |
| 7 | $606.0M | |
| 1 | $86.0M | |
| 1 | $26.3M |
Charlottesville, VA
11.3% of bank deposits, #5 of 15, down 0.2 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Bank of America, National Association | 23.8% |
| Truist Bank | 19.4% |
| Wells Fargo Bank, National Association | 15.9% |
| Atlantic Union Bank | 11.9% |
| United Bank | 5.9% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Charlottesville, VA, Virginia National Bank holds 11.3% of bank deposits, #5 of 15, with 4 offices.
The fee comparison uses its home metro, Washington-Arlington-Alexandria, DC-VA-MD-WV.
61 offices of 17 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
8 of 15 institutions shown. $6.1B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 11.3% share, 4 offices, #5 of 15
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
10 offices of 2 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the OCC and Federal Reserve
The OCC and Federal Reserve have no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the OCC and Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.