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First National Bank
Altavista, VA · FDIC Certificate #6811 · Chartered 03/0
Total assets
$1.14B
Total deposits
$1.04B
Total equity
$91.47M
Net loans
$742.63M
Branches (offices)
19
Net income (YTD)
$9.62M
Rank: #930 of 4,213 U.S. banks by assets · #27 of 56 in Virginia. Assets changed 9.7% and deposits 10.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.76% |
| Return on equity | 21.85% |
| Net interest margin (YTD) | 4.17% |
| Equity to assets | 8.03% |
| Tier 1 leverage ratio | 8.84% |
| Uninsured deposits (share of deposits) | 32.3% |
| Noncurrent loans (share of loans) | 0.19% |
| Net charge-offs (share of loans) | 0.07% |
| Loans to deposits | 71.3% |
| Real estate loans (share of loans) | 69.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $512.25M | 69.0% | |
| Commercial & industrial | $88.32M | 11.9% | |
| Consumer / individual | $134.10M | 18.1% | |
| Construction & development | $28.11M | 3.8% | |
| Agricultural | $4.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $994.51M | $925.43M | $3.58M | $62.41M |
| Jun 2023 | $1.00B | $926.66M | $5.04M | $69.88M |
| Jun 2024 | $996.08M | $910.35M | $4.63M | $80.62M |
| Jun 2025 | $1.04B | $939.82M | $5.26M | $92.15M |
| Jun 2026 | $1.14B | $1.04B | $9.62M | $91.47M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Virginia | $1.04B | 19 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.04B.
Similar-sized banks
The Bank Of Fayette County ($1.14B) · Security State Bank ($1.14B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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