Safest Banks in Virginia 2026
Virginia has 49 FDIC-insured banks with an average Bank Health Score of 72/100 (B). The safest bank is Chain Bridge Bank NA with a score of 100/100.
Data from FDIC Q2 2024
Top 20 of 49 Banks in Virginia
| # | Bank | City | Grade | Score | Tier 1 Capital | NPL Ratio |
|---|---|---|---|---|---|---|
| 1 | Chain Bridge Bank NA | Mclean | A | 100 | 28.76% | 0.00% |
| 2 | Oak View National Bank | Warrenton | A | 98 | 15.26% | 0.01% |
| 3 | National Bank of Blacksburg | Blacksburg | A | 93 | 16.32% | 0.28% |
| 4 | Lee Bank&Trust Co | Pennington Gap | A | 91 | 16.45% | 1.10% |
| 5 | Farmers Bank of Appomattox | Appomattox | A | 91 | 19.20% | 0.70% |
| 6 | Integrity Bank for Business | Virginia Beach | A | 90 | 44.62% | 0.00% |
| 7 | Bank of Charlotte County | Phenix | A | 89 | 16.17% | 0.09% |
| 8 | Bank of Marion | Marion | A | 89 | 17.42% | 0.87% |
| 9 | Bank of the James | Lynchburg | A | 88 | 12.45% | 0.13% |
| 10 | Chesapeake Bank | Kilmarnock | A | 88 | 12.28% | 0.14% |
| 11 | Martinsville First Sb | Martinsville | A | 87 | 30.96% | 1.30% |
| 12 | HSBC Bank USA National Assn | Tysons | A | 87 | 16.29% | 1.41% |
| 13 | John Marshall Bank | Reston | A | 85 | 15.39% | 0.00% |
| 14 | Miners Exchange Bank | Coeburn | A | 84 | 21.74% | 1.48% |
| 15 | Virginia National Bank | Charlottesville | A | 84 | 17.65% | 0.34% |
| 16 | New Peoples Bank INC | Honaker | A | 83 | 15.49% | 0.85% |
| 17 | Townebank | Portsmouth | A | 81 | 12.43% | 0.06% |
| 18 | Capital One National Assn | Mclean | B | 78 | 13.53% | 1.79% |
| 19 | Powell Valley National Bank | Jonesville | B | 77 | 13.18% | 0.17% |
| 20 | Old Point Nb of Phoebus | Hampton | B | 77 | 12.10% | 0.05% |
Bank Health Scores for Virginia are calculated from FDIC Call Report data including Tier 1 capital ratios, nonperforming loan ratios, liquidity ratios, and return on assets.
Frequently Asked Questions
Based on our Bank Health Score analysis of FDIC data, Chain Bridge Bank NA in Mclean is currently the safest bank in Virginia with a score of 100/100 (Grade A).
Virginia has 49 FDIC-insured banks with a combined $730.7B in total assets. The average Bank Health Score across the state is 72/100.
The Bank Health Score (0-100) is based on four FDIC-reported metrics: Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%). Higher scores indicate stronger financial health.
Bank Health Scores are computed from quarterly FDIC Call Report data. Tier 1 capital ratio (35%), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).