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11166 Fairfax Blvd, Suite 100
Fairfax, VA 22030

Virginia Heritage Bank is headquartered in Fairfax and is the 25th largest bank in the state of Virginia. It is also the 705th largest bank in the nation. It was established in 2005 and as of June of 2014, it had grown to 137 employees at 6 locations. Virginia Heritage Bank's savings rates are 73% higher than the national average, and it boasts a A+ health rating.

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Data for Q2 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 Virginia Heritage Bank had $2.86 million in non-current loans and owned real-estate with $113.68 million in equity and loan loss allowances on hand to cover it. This gives Virginia Heritage Bank a Texas Ratio of 2.52% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Virginia Heritage Bank decreased dramatically from 3.65% as of June 30, 2013 to 2.52% as of June 30, 2014, resulting in a positive change of 30.98%.This indicates that the balance sheet and financial strength for Virginia Heritage Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Virginia Heritage Bank has increased its total deposits by $46.59 million, resulting in 6.39% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Virginia Heritage Bank has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Virginia Heritage Bank has $955.68 million in assets with $113.68 million in equity, resulting in a capitalization level of 11.89%, which is excellent.

Institution Statistics

FDIC Certificate #58174
Year Established2005
Primary RegulatorFED
Assets and Liabilities
Assets$955.69 million
Loans$766.24 million
Deposits$776.12 million
Equity Capital$103.30 million
Loan Loss Allowance$10.37 million
Unbacked Noncurrent Loans$2.73 million
Real Estate Owned$136,000
Historic Data - June 2013
Assets$847.75 million
Equity Capital$89.94 million
Loan Loss Allowance$9.37 million
Unbacked Noncurrent Loans$2.73 million
Real Estate Owned$158,000
Profit Margin - Quarterly
Return on Assets0.93%
Return on Equity8.58%
Interest Income$18.58 million

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Virginia Heritage Bank Savings Account Rates

0.90%--IRA Savings Account
0.25%--Signature Savings
0.25%--Kids Savings
0.25%--Business Signature Savings

Virginia Heritage Bank Money Market Rates

0.25%$25k-VHB Regular Money Market Account
0.25%$25k-VHB Business Money Market Account

Virginia Heritage Bank Checking Account Rates

0.15%--VHB Interest Checking (NOW)
0.15%--Business Interest Checking
0.15%--Business IOLTA Account

Virginia Heritage Bank CD Rates

1.35%$500-60 Month CD
1.35%$500-Business 60 Month CD
1.25%$500-48 Month CD
1.25%$500-Business 48 Month CD
1.10%$500-36 Month CD
1.10%$500-Business 36 Month CD
1.00%$500-30 Month CD
1.00%$500-Business 30 Month CD
0.95%$500-24 Month CD
0.95%$500-Business 24 Month CD
0.90%$5k-24 Month CD - No Penalty
0.90%$5k-Business 24 Month CD - No Penalty
0.75%$500-18 Month CD
0.75%$500-Business 18 Month CD
0.50%$500-12 Month CD
0.50%$500-Business 12 Month CD
0.35%$500-9 Month CD
0.35%$500-Business 9 Month CD
0.25%$500-6 Month CD
0.25%$500-Business 6 Month CD
0.20%$500-3 Month CD
0.20%$500-Business 3 Month CD

Virginia Heritage Bank IRA Rates

1.55%$500-60 Month IRA
1.45%$500-48 Month IRA
1.40%$500-36 Month IRA
1.25%$500-30 Month IRA
1.15%$500-24 Month IRA
0.95%$500-18 Month IRA
0.80%$500-12 Month IRA
0.55%$500-9 Month IRA
0.30%$500-3 Month IRA
0.30%$500-6 Month IRA

Virginia Heritage Bank Locations
Virginia Heritage Bank11166 Fairfax Blvd, Suite 100Fairfax, VA 22030
Chantilly Branch13986 Metrotech DriveChantilly, VA 20151
Dulles Branch45745 Nokes Blvd, Ste 150Dulles, VA 20166
Gainesville Branch7905 Heritage Village PlazaGainesville, VA 20155
Tysons Branch8245 Boone BoulevardVienna, VA 22182