FIRST NATIONAL BANK

ALTAVISTA, VA | Large | Est. March 1, 1908, midnight | FDIC #6811 | RSSD #979629 | OCC
Latest Report: 2025-12-31

FIRST NATIONAL BANK is aln large FDIC-insured commercial bank headquartered in ALTAVISTA, VA, established in March 1, 1908, midnight. As of 2025-12-31, the bank reported total assets of $1.1B and total deposits of $971M. Profitability stands at 1.10% ROA and 13.34% ROE, with a net interest margin of 4.30%. The bank's CET1 capital ratio is 12.46%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.20% and a Texas Ratio of 1.62%. FDIC Certificate #6811.

Assets

$1.1B

Deposits

$971M

Loans

$739M

Equity

$87M

Profitability

Return on Assets (ROA) 1.10%
Return on Equity (ROE) 13.34%
Net Interest Margin (NIM) 4.30%
Yield on Assets 5.46%
Cost of Funds 1.16%

Asset Quality

NPL Ratio 0.20%
Net Charge-Off Ratio 0.02%
Texas Ratio 1.62%
NPA Ratio 0.14%
ACL / Loans 0.71%

Capital & Liquidity

CET1 Ratio 12.46%
Tier 1 Capital 12.46%
Total Capital Ratio 13.18%
Leverage Ratio 8.89%
Loan-to-Deposit 76.12%

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