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
49 Virginia banks are ranked below by the BankHealth composite score. The composite weights Tier 1 capital ratio (35%), inverted non-performing loan ratio (30%), liquidity ratio (25%), and return on assets (10%) into a 0-100 grade.
Top-of-list banks combine strong capital with clean loan books and reasonable profitability. Bottom-of-list banks face pressure on one or more scoring factors — most often elevated NPL ratios or thin profitability margins. Each bank links to its full profile with multi-quarter trend charts, the four composite factor breakdowns, and the underlying FDIC Call Report data.
Virginia's 49 FDIC-insured banks hold a combined $730.7B in assets. Their average Bank Health Score of 72/100 sits 2.0 points above the national average of 70/100. Across the state, 71% of banks earn an A or B grade for financial health, while 10% fall to a D or F.
The largest bank headquartered in Virginia is Capital One National Assn with $477.3B in assets and a Bank Health Score of 78/100. The strongest by score is Chain Bridge Bank NA in Mclean (100/100, Tier 1 capital 28.76%). The weakest is Locus Bank INC at 33/100, dragged down by an NPL ratio of 1.83%.
All scores below come from the latest FDIC BankFind Call Report (Q2 2024). The Bank Health Score weights Tier 1 capital ratio (35%), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%) — the four metrics regulators watch most closely when judging whether a bank is well-capitalized. Every bank with FDIC insurance covers up to $250,000 per depositor per ownership category, but the score helps you tell apart banks that are comfortably well-capitalized from those operating closer to the line.
Top 3 Safest Banks in Virginia
Chain Bridge Bank NA
Mclean, VA
Virginia's top-rated bank, with a Tier 1 capital ratio of 28.76% — well above the federal "well-capitalized" threshold of 8%. Holds $1.4B in assets.
Oak View National Bank
Warrenton, VA
Second-strongest in the state on capital and loan quality. NPL ratio sits at 0.01% with $630M in total assets.
National Bank of Blacksburg
Blacksburg, VA
Third in the rankings on the Bank Health Score. Liquidity ratio of 38.78% and ROA of 0.64%.
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). It posts a Tier 1 capital ratio of 28.76% and a nonperforming loan ratio of 0.00%.
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 (Grade B).
Virginia's average Bank Health Score of 72/100 is 2.0 points above the national average of 70/100. 71% of banks in Virginia earn an A or B grade, compared with the national average grade of B.
Of 49 FDIC-insured banks headquartered in Virginia, 17 earn an A, 18 a B, 9 a C, 4 a D, and 1 an F. The most common grade is B.
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. Every score uses the latest FDIC Call Report data.
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%).