First National Bank (Altavista, VA): Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Headquartered in Altavista, First National Bank serves the Virginia market as a community-focused commercial bank. On its most recent Q2 2026 call report, First National reported $1.1B in total assets against $1.0B in deposits. The bank posts a strong 2.35% ROA and 29.46% ROE. Capital cushions are healthy: 13.04% CET1, 8.84% Tier 1 leverage. Credit metrics are pristine, with nonperforming loans at just 0.19%. Its footprint covers 20 branches concentrated in Virginia.
As of June 30, 2026, First National Bank reported a CET1 capital ratio of 13.04%, a return on assets of 2.35%, a nonperforming-loan ratio of 0.19%, a Texas ratio of 1.48%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 622 Broad St, Altavista, VA 24517
- County
- Campbell
- Metro Area
- Lynchburg, VA
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- March 1, 1908
- Offices
- 20 domestic
- Employees (FTE)
- 193
- Domestic deposits
- $1.04B
- Allowance for credit losses
- $5.3M
- Net charge-offs (YTD)
- $249K
- Average total assets
- $1.11B
- Average total loans
- $745.5M
- Average interest-bearing deposits
- $711.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 6811
- Fed RSSD
- 979629
- SEC CIK
- 1031233 → filed by PINNACLE BANKSHARES CORPORATION
- Website
- http://www.1stnatbk.com →
- Parent Holding Company
- PINNACLE BANKSHARES CORPORATION (RSSD 2534406)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full First National Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock First National Bank, freeFirst National Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for First National Bank: ROA.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.04% | 2.35% | 0.19% | 1.48% | 4.17% |
| Q1 2026 | 12.34% | 1.16% | 0.20% | 1.65% | 4.06% |
| Q4 2025 | 12.46% | 1.10% | 0.22% | 1.76% | 4.15% |
| Q3 2025 | 12.19% | 1.22% | 0.19% | 1.58% | 4.18% |
| Q2 2025 | 13.21% | 1.12% | 0.13% | 1.13% | 4.15% |
| Q1 2025 | 12.94% | 0.93% | 0.15% | 1.19% | 3.86% |
| Q4 2024 | 12.81% | 1.17% | 0.24% | 1.88% | 3.80% |
| Q3 2024 | 12.84% | 0.89% | 0.19% | 1.46% | 3.75% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 19 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First National Bank (main office) | Altavista , VA | 24517 | $209.2M |
| Rustburg Branch | Rustburg , VA | 24588 | $121.2M |
| Airport Branch | Lynchburg , VA | 24502 | $95.8M |
| Danville Main Branch | Danville , VA | 24541 | $94.1M |
| Vista Branch | Altavista , VA | 24517 | $82.8M |
| Mount Hermon Branch | Danville , VA | 24540 | $50.2M |
| Forest Branch | Forest , VA | 24551 | $50.0M |
| Kings Fairground Plaza Branch | Danville , VA | 24540 | $47.3M |
| Chatham Branch | Chatham , VA | 24531 | $46.4M |
| Old Forest Road Branch | Lynchburg , VA | 24501 | $40.5M |
| 58 East at Airport Branch | Danville , VA | 24540 | $38.8M |
| Timberlake Branch | Lynchburg , VA | 24502 | $37.2M |
| Amherst Branch | Amherst , VA | 24521 | $35.8M |
| Brosville Office Branch | Danville , VA | 24541 | $22.3M |
| Graves Mill Branch | Forest , VA | 24551 | $22.0M |
| Halifax Road Branch | South Boston , VA | 24592 | $21.1M |
| Odd Fellows Road Branch | Timberlake , VA | 24501 | $18.5M |
| Downtown Lynchburg Branch | Lynchburg , VA | 24504 | $5.1M |
| Charlottesville Ivy Road Branch | Charlottesville , VA | 22903 | $3.4M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 31, 2020 | Structure Change | Acquired Virginia Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 30, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 7, 1992 | Structure Change | Acquired Coreast Federal Savings Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
What the public regulatory sources show for First National Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in VA, rank 33 of 105 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 188 applications, 159 loans originated, $46.2M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about First National Bank
What are First National Bank's total assets?
As of the Q2 2026 filing, First National Bank reported total assets of $1.14 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First National Bank headquartered?
First National Bank is headquartered in Altavista, VA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First National Bank founded?
First National Bank was established in 1908, per the FDIC institution directory.
Is First National Bank FDIC-insured?
Yes. First National Bank is an FDIC-insured commercial bank (FDIC Certificate #6811). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First National Bank?
First National Bank's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First National Bank's CET1 capital ratio?
First National Bank reported a Common Equity Tier 1 (CET1) capital ratio of 13.04% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First National Bank operate?
First National Bank operates 20 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First National Bank's Texas Ratio?
First National Bank's Texas Ratio is 1.48% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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