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First National Corporation(FXNC)Earnings, Financials & Key Ratios
FXNC•NASDAQ•Banking & Credit
15.0× P/E·Price updated Jun 19, 2026
AboutFirst National Corporation operates as the bank holding company for First Bank that provides various commercial banking services to small and medium-sized businesses, individuals, estates, local governmental entities, and non-profit organizations in Virginia. The company's deposit products include checking, savings, money market, and individual retirement accounts, as well as certificates of deposit and treasury management solutions. Its loan products comprise construction loans, including residential, land acquisition, and development loans; 1-4 family residential real estate loans; and commercial real estate loans that are secured by commercial real estate, including multi-family residential buildings, office and retail buildings, hotels, industrial buildings, and religious facilities. The company's loan products also include commercial and industrial loans that are secured by business assets, such as accounts receivable, equipment, and inventory; home equity loans; and secured and unsecured consumer loans, such as lines of credit, automobile loans, deposit account loans, and installment and demand loans. In addition, it provides wealth management services, including estate planning, investment management of assets, trustee under an agreement, trustee under a will, and estate settlement. Further, the company offers title insurance and investment services; and holds other real estate owned and office sites, as well as provides internet and mobile banking, remote deposit capture, and other traditional banking services. It serves customers through 20 bank branch offices, a loan production office, and a customer service center, as well as through a network of ATMs. The company was founded in 1907 and is headquartered in Strasburg, Virginia.Show more
- Net Interest Income$73M+40.2%
- Total Revenue$112M+27.1%
- Net Income$18M+154.1%
- Return on Equity10.04%+103.8%
- Net Interest Margin3.59%+38.3%
- Efficiency Ratio54.47%-0.9%
- ROA0.87%+115.3%
- Equity / Assets9.14%+10.3%
- Book Value per Share20.65-13.5%
FXNC Key Insights
First National Corporation (FXNC) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong Piotroski F-Score: 7/9
- ✓Strong NIM of 3.6%
- ✓Efficient operations: 54.5% efficiency ratio
- ✓11 consecutive years of dividend growth
- ✓Healthy dividend yield of 2.1%
- ✓Trading near 52-week high
✗Weaknesses
- ✗Shares diluted 29.3% in last year
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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FXNC Price & Volume
First National Corporation (FXNC) stock price & volume — 10-year historical chart
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FXNC Growth Metrics
First National Corporation (FXNC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years14.28%
5 Years22.85%
3 Years22.74%
TTM-
Profit CAGR
10 Years20.89%
5 Years14.85%
3 Years1.77%
TTM154.13%
EPS CAGR
10 Years20.25%
5 Years1.49%
3 Years-9.9%
TTM69.83%
Return on Capital
10 Years11.91%
5 Years10.1%
3 Years7.9%
Last Year9.86%
FXNC Recent Earnings
First National Corporation (FXNC) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 4/12 qtrs (40%)●Beat Revenue 2/12 qtrs (33%)
Q2 2026Latest
Apr 30, 2026Metric
Actual
Est
EPS
$0.54+3.8%
$0.52
Rev
$23M-3.4%
$23M
Q1 2026
Jan 29, 2026Metric
Actual
Est
EPS
$0.62+3.3%
$0.60
Rev
$24M+6.1%
$23M
Q4 2025
Oct 30, 2025Metric
Actual
Est
EPS
$0.58+0.0%
$0.58
Rev
$23M+1.0%
$23M
Q3 2025
Jul 30, 2025Metric
Actual
Est
EPS
$0.57+16.3%
$0.49
Rev
$22M-3.1%
$23M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 30, 2026 | $0.54vs $0.52+3.8% | $23Mvs $23M-3.4% |
| Q1 2026 | Jan 29, 2026 | $0.62vs $0.60+3.3% | $24Mvs $23M+6.1% |
| Q4 2025 | Oct 30, 2025 | $0.58vs $0.58+0.0% | $23Mvs $23M+1.0% |
| Q3 2025 | Jul 30, 2025 | $0.57vs $0.49+16.3% | $22Mvs $23M-3.1% |
Based on last 12 quarters of dataView full earnings history →
FXNC Peer Comparison
First National Corporation (FXNC) competitors in Community and retail regional banks — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 NKSH | 224.8M | 35.30 | 14.18 | 7.88% | 18.57% | 9.04% | 0.01 | |
 CZWI | 205.47M | 21.34 | 14.62 | -9.41% | 16.01% | 7.81% | 0.28 | |
 MNSB | 175.75M | 23.86 | 13.56 | -1.44% | 11.53% | 7.26% | 0.32 | |
 FBIZ | 503.41M | 60.34 | 9.96 | 6.43% | 18.74% | 14.12% | 0.70 | |
 FUNC | 276.83M | 42.58 | 11.29 | 6.6% | 20.51% | 12.61% | 0.56 | |
 CFFI | 255.12M | 78.36 | 9.45 | 11.78% | 14.6% | 10.82% | 0.44 | |
 CARE | 686.07M | 30.96 | 22.11 | 6.24% | 12.46% | 7.65% | 0.43 | |
 BSVN | 438.24M | 45.65 | 10.14 | -3.87% | 31.38% | 18.21% |
Compare FXNC vs Peers
First National Corporation (FXNC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
FXNC Income Statement
First National Corporation (FXNC) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | 25.18M | 27.54M | 27.91M | 29.37M | 34.75M | 45.48M | 43.3M | 52.25M | 73.25M |
NII Growth % | 8.67% | 9.34% | 1.35% | 5.24% | 18.33% | 30.88% | -4.8% | 20.66% | 40.18% |
Net Interest Margin % | 3.41% | 3.66% | 3.49% | 3.09% | 2.5% | 3.32% | 3.05% | 2.6% | 3.59% |
Interest Income | 27.57M | 31.05M | 32.79M | 32.75M | 37.06M | 49.3M | 57.61M | 76.12M | 99.5M |
Interest Expense | 2.39M | 3.51M | 4.89M | 3.38M | 2.3M | 3.82M | 14.31M | 23.87M | 26.25M |
Loan Loss Provision | 100K | 600K | 450K | 3M | -650K | 1.85M | 6.15M | 7.85M | 2.89M |
Non-Interest Income | 7.57M | 8.44M | 7.76M | 7.34M | 9.12M | 11.37M | 10.27M | 12.15M | 12.71M |
Non-Interest Income % | 21.54% | 21.37% | 19.13% | 18.32% | 19.74% | 18.74% | 15.13% | 13.77% | 11.32% |
Total Revenue | 35.14M▲ 0% | 39.49M▲ 12.4% | 40.55M▲ 2.7% | 40.1M▼ 1.1% | 46.17M▲ 15.2% | 60.67M▲ 31.4% | 67.88M▲ 11.9% | 88.27M▲ 30.0% | 112.2M▲ 27.1% |
Revenue Growth % | 6.92% | 12.37% | 2.7% | -1.12% | 15.15% | 31.41% | 11.87% | 30.04% | 27.11% |
Non-Interest Expense | 22.48M | 22.95M | 23.42M | 22.81M | 31.57M | 34.26M | 35.62M | 48.51M | 61.12M |
Efficiency Ratio | 63.97% | 58.13% | 57.76% | 56.88% | 68.38% | 56.46% | 52.47% | 54.95% | 54.47% |
Operating Income | 10.17M▲ 0% | 12.42M▲ 22.1% | 11.79M▼ 5.1% | 10.91M▼ 7.5% | 12.95M▲ 18.7% | 20.75M▲ 60.3% | 11.8M▼ 43.1% | 8.05M▼ 31.8% | 21.94M▲ 172.7% |
Operating Margin % | 28.95% | 31.46% | 29.08% | 27.2% | 28.04% | 34.2% | 17.39% | 9.12% | 19.56% |
Operating Income Growth % | 23.17% | 22.1% | -5.06% | -7.52% | 18.69% | 60.29% | -43.11% | -31.83% | 172.66% |
Pretax Income | 10.17M▲ 0% | 12.42M▲ 22.1% | 11.79M▼ 5.1% | 10.91M▼ 7.5% | 12.95M▲ 18.7% | 20.75M▲ 60.3% | 11.8M▼ 43.1% | 8.05M▼ 31.8% | 21.94M▲ 172.7% |
Pretax Margin % | 28.95% | 31.46% | 29.08% | 27.2% | 28.04% | 34.2% | 17.39% | 9.12% | 19.56% |
Income Tax | 3.73M | 2.29M | 2.24M | 2.05M | 2.59M | 3.95M | 2.18M | 1.08M | 4.24M |
Effective Tax Rate % | 36.62% | 18.41% | 18.98% | 18.79% | 19.98% | 19.05% | 18.48% | 13.44% | 19.33% |
Net Income | 6.45M▲ 0% | 10.13M▲ 57.2% | 9.56M▼ 5.7% | 8.86M▼ 7.3% | 10.36M▲ 16.9% | 16.8M▲ 62.1% | 9.62M▼ 42.7% | 6.97M▼ 27.6% | 17.7M▲ 154.1% |
Net Margin % | 18.35% | 25.67% | 23.56% | 22.09% | 22.44% | 27.68% | 14.18% | 7.89% | 15.78% |
Net Income Growth % | 9.16% | 57.18% | -5.71% | -7.3% | 16.95% | 62.15% | -42.7% | -27.62% | 154.13% |
Net Income (Continuing) | 6.45M | 10.13M | 9.56M | 8.86M | 10.36M | 16.8M | 9.62M | 6.97M | 17.7M |
EPS (Diluted) | 1.30▲ 0% | 2.04▲ 56.9% | 1.92▼ 5.9% | 1.82▼ 5.2% | 1.86▲ 2.2% | 2.68▲ 44.1% | 1.53▼ 42.9% | 1.00▼ 34.6% | 1.96▲ 96.0% |
EPS Growth % | 8.33% | 56.92% | -5.88% | -5.21% | 2.2% | 44.09% | -42.91% | -34.64% | 96% |
EPS (Basic) | 1.30 | 2.05 | 1.92 | 1.82 | 1.87 | 2.69 | 1.54 | 1.00 | 1.97 |
Diluted Shares Outstanding | 4.95M | 4.96M | 4.97M | 4.88M | 5.56M | 6.26M | 6.28M | 6.97M | 9.02M |
FXNC Balance Sheet
First National Corporation (FXNC) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 129.24M | 128.47M | 166.77M | 267.52M | 465.5M | 229.82M | 240.02M | 164.5M | 177.8M |
Cash & Due from Banks | 39.99M | 28.62M | 45.78M | 127.3M | 176.01M | 66.91M | 87.16M | 162.87M | 160.91M |
Short Term Investments | 89.25M | 99.86M | 120.98M | 140.22M | 289.5M | 162.91M | 152.86M | 1.62M | 16.89M |
Total Investments | 654.78M | 681.53M | 708.19M | 777.13M | 1.14B | 1.23B | 1.26B | 1.72B | 1.76B |
Investments Growth % | 4.05% | 4.09% | 3.91% | 9.74% | 46.99% | 7.6% | 2.39% | 37% | 1.81% |
Long-Term Investments | 565.52M | 581.67M | 587.21M | 636.91M | 852.85M | 1.07B | 1.11B | 1.72B | 1.74B |
Accounts Receivables | 1.92M | 2.11M | 2.06M | 2.72M | 3.9M | 4.54M | 4.66M | 6.02M | 6.47M |
Goodwill & Intangibles | 930K | 472K | 170K | 19K | 3.18M | 3.17M | 3.15M | 18.02M | 16.25M |
Goodwill | 0 | 0 | 0 | 0 | 3.03M | 3.03M | 3.03M | 3.03M | 3.03M |
Intangible Assets | 930K | 472K | 170K | 19K | 154K | 136K | 117K | 14.99M | 13.22M |
PP&E (Net) | 19.89M | 20.07M | 19.75M | 19.32M | 22.4M | 21.88M | 22.14M | 34.82M | 34.56M |
Other Assets | 21.61M | 20.17M | 24.09M | 24.45M | 41.6M | 43.74M | 43.63M | 64.36M | 64.36M |
Total Current Assets | 131.16M | 130.59M | 168.83M | 270.24M | 469.4M | 234.36M | 244.67M | 170.51M | 184.27M |
Total Non-Current Assets | 607.95M | 622.38M | 631.22M | 680.69M | 920.03M | 1.14B | 1.17B | 1.84B | 1.85B |
Total Assets | 739.11M▲ 0% | 752.97M▲ 1.9% | 800.05M▲ 6.3% | 950.93M▲ 18.9% | 1.39B▲ 46.1% | 1.37B▼ 1.4% | 1.42B▲ 3.6% | 2.01B▲ 41.6% | 2.04B▲ 1.4% |
Asset Growth % | 3.12% | 1.88% | 6.25% | 18.86% | 46.11% | -1.44% | 3.64% | 41.64% | 1.38% |
Return on Assets (ROA) | 0.89% | 1.36% | 1.23% | 1.01% | 0.89% | 1.22% | 0.69% | 0.41% | 0.87% |
Accounts Payable | 1.75M | 1.49M | 2.13M | 4.29M | 4.37M | 5.42M | 0 | 0 | 0 |
Total Debt | 14.23M | 14.24M | 14.26M | 19.27M | 19.27M | 14.27M | 64.28M | 30.45M | 42.59M |
Net Debt | -25.76M | -14.37M | -31.52M | -108.03M | -156.73M | -52.64M | -22.89M | -132.42M | -118.32M |
Long-Term Debt | 14.23M | 14.24M | 14.26M | 19.27M | 19.27M | 14.27M | 14.28M | 30.45M | 42.59M |
Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 50M | 0 | 0 |
Other Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 5.02M | 9.52M | 9.64M |
Total Current Liabilities | 666.73M | 672.05M | 708.57M | 846.75M | 1.25B | 1.25B | 1.28B | 1.8B | 1.8B |
Total Non-Current Liabilities | 14.23M | 14.24M | 14.26M | 19.27M | 19.27M | 14.27M | 19.3M | 39.97M | 52.23M |
Total Liabilities | 680.96M | 686.29M | 722.83M | 866.02M | 1.27B | 1.26B | 1.3B | 1.84B | 1.85B |
Total Equity | 58.15M▲ 0% | 66.67M▲ 14.7% | 77.22M▲ 15.8% | 84.92M▲ 10.0% | 117.04M▲ 37.8% | 108.36M▼ 7.4% | 116.27M▲ 7.3% | 166.53M▲ 43.2% | 186.2M▲ 11.8% |
Equity Growth % | 11.51% | 14.65% | 15.82% | 9.97% | 37.83% | -7.42% | 7.3% | 43.23% | 11.81% |
Equity / Assets (Capital Ratio) | 7.87% | 8.85% | 9.65% | 8.93% | 8.42% | 7.91% | 8.19% | 8.28% | 9.14% |
Return on Equity (ROE) | 11.69% | 16.24% | 13.28% | 10.93% | 10.26% | 14.9% | 8.57% | 4.93% | 10.04% |
Book Value per Share | 11.76 | 13.45 | 15.54 | 17.40 | 21.05 | 17.31 | 18.52 | 23.89 | 20.65 |
Tangible BV per Share | 11.57 | 13.35 | 15.51 | 17.40 | 20.48 | 16.81 | 18.02 | 21.30 | 18.85 |
Common Stock | 6.18M | 6.2M | 6.21M | 6.08M | 7.79M | 7.83M | 7.83M | 11.22M | 11.28M |
Additional Paid-in Capital | 7.26M | 7.47M | 7.7M | 6.15M | 31.97M | 32.72M | 32.95M | 77.06M | 78.22M |
Retained Earnings | 45.67M | 54.81M | 62.58M | 69.29M | 76.99M | 90.28M | 94.2M | 96.95M | 108.94M |
Accumulated OCI | -958K | -1.81M | 724K | 3.4M | 298K | -22.47M | -18.71M | -18.69M | -12.24M |
Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
FXNC Cash Flow Statement
First National Corporation (FXNC) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 6.57M | 13.76M | 11.85M | 15.09M | 7.87M | 26.77M | 16.39M | -22.2M | 25.19M |
Operating CF Growth % | -27.08% | 109.44% | -13.86% | 27.34% | -47.86% | 240.26% | -38.78% | -235.47% | 213.44% |
Net Income | 6.45M | 10.13M | 9.56M | 8.86M | 10.36M | 16.8M | 9.62M | 6.97M | 17.7M |
Depreciation & Amortization | 2.01M | 1.8M | 1.64M | 1.47M | 1.41M | 1.51M | 1.62M | 2.4M | 0 |
Deferred Taxes | 1.28M | 135K | -8K | -923K | -1.68M | -241K | -399K | -437K | 0 |
Other Non-Cash Items | 286K | 724K | 807K | 3.06M | -356K | 2.96M | 5.53M | 3.82M | 7.64M |
Working Capital Changes | -3.6M | 770K | -324K | 2.33M | -2.21M | 4.96M | -732K | -35.59M | -150K |
Cash from Investing | -26.54M | -29.84M | -28.89M | -70.49M | -126.3M | -120.14M | -34.34M | 136.83M | -29.41M |
Purchase of Investments | -23.17M | -27.63M | -17M | -50.88M | -221.12M | -75.19M | -2.09M | -25.98M | 0 |
Sale/Maturity of Investments | 33.14M | 20.31M | 24.27M | 37.34M | 59.57M | 48.34M | 20.95M | 114.49M | 0 |
Net Investment Activity | 9.97M | -7.32M | 7.27M | -13.54M | -161.55M | -26.85M | 18.86M | 88.51M | 0 |
Acquisitions | 0 | 0 | 0 | 0 | -44.34M | 0 | 0 | 70.24M | 0 |
Other Investing | -35.44M | -20.98M | -35.13M | -56.04M | 80.42M | -92.11M | -51.34M | -18.63M | -29.41M |
Cash from Financing | 18.87M | 4.71M | 34.21M | 136.91M | 167.15M | -15.72M | 38.2M | -38.91M | 2.26M |
Dividends Paid | -646K | -929K | -1.67M | -2.01M | -2.5M | -3.31M | -3.6M | -4.04M | -5.52M |
Share Repurchases | 0 | -24K | -20K | -2.12M | -39K | -183K | -682K | -106K | -154K |
Stock Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Net Stock Activity | 0 | -24K | -20K | -2.12M | -39K | -183K | -682K | -106K | -154K |
Debt Issuance (Net) | 0 | 0 | 0 | 1000K | 0 | -1000K | 1000K | -1000K | 1000K |
Other Financing | 19.51M | 5.67M | 35.9M | 136.04M | 169.69M | -7.23M | -7.52M | 15.23M | -3.57M |
Net Change in Cash | -1.11M▲ 0% | -11.37M▼ 927.8% | 17.17M▲ 251.0% | 81.51M▲ 374.8% | 48.71M▼ 40.2% | -109.09M▼ 324.0% | 20.25M▲ 118.6% | 75.71M▲ 273.9% | -1.96M▼ 102.6% |
Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Cash at Beginning | 41.09M | 39.99M | 28.62M | 45.78M | 127.3M | 176.01M | 66.91M | 87.16M | 162.87M |
Cash at End | 39.99M | 28.62M | 45.78M | 127.3M | 176.01M | 66.91M | 87.16M | 162.87M | 160.91M |
Interest Paid | 2.49M | 3.55M | 4.9M | 3.46M | 2.46M | 4M | 9.36M | 23.2M | 27.37M |
Income Taxes Paid | 3.38M | 1.34M | 2.18M | 3.09M | 2.02M | 3.37M | 3.43M | 2.08M | 3.4M |
Free Cash Flow | 5.5M▲ 0% | 12.22M▲ 122.2% | 10.82M▼ 11.4% | 14.18M▲ 31.1% | 7.03M▼ 50.4% | 25.59M▲ 263.9% | 14.52M▼ 43.2% | -25.5M▼ 275.6% | 21.01M▲ 182.4% |
FCF Growth % | -31.06% | 122.2% | -11.44% | 31.06% | -50.41% | 263.87% | -43.25% | -275.6% | 182.38% |
FXNC Banking Ratios
First National Corporation (FXNC) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
Return on Equity (ROE) | 12.04% | 11.69% | 16.24% | 13.28% | 10.93% | 10.26% | 14.9% | 8.57% | 4.93% | 10.04% |
Return on Assets (ROA) | 0.84% | 0.89% | 1.36% | 1.23% | 1.01% | 0.89% | 1.22% | 0.69% | 0.41% | 0.87% |
Net Interest Margin | 3.23% | 3.41% | 3.66% | 3.49% | 3.09% | 2.5% | 3.32% | 3.05% | 2.6% | 3.59% |
Efficiency Ratio | 68.84% | 63.97% | 58.13% | 57.76% | 56.88% | 68.38% | 56.46% | 52.47% | 54.95% | 54.47% |
Equity / Assets | 7.28% | 7.87% | 8.85% | 9.65% | 8.93% | 8.42% | 7.91% | 8.19% | 8.28% | 9.14% |
Book Value / Share | 10.58 | 11.76 | 13.45 | 15.54 | 17.4 | 21.05 | 17.31 | 18.52 | 23.89 | 20.65 |
NII Growth | 12.24% | 8.67% | 9.34% | 1.35% | 5.24% | 18.33% | 30.88% | -4.8% | 20.66% | 40.18% |
Dividend Payout | 9.31% | 10.02% | 9.17% | 17.52% | 22.66% | 24.18% | 19.69% | 37.36% | 57.97% | 31.18% |
Related:FXNC Dividend History·FXNC Revenue History·FXNC Price History·FXNC P/E History·FXNC Financial Ratios·FXNC Institutional Holders
FXNC SEC Filings & Documents
First National Corporation (FXNC) SEC filings — annual & quarterly reports (10-K, 10-Q)
FXNC Frequently Asked Questions
First National Corporation (FXNC) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
First National Corporation (FXNC) grew revenue by 27.1% over the past year. This is strong growth.
Yes, First National Corporation (FXNC) is profitable, generating $17.7M in net income for fiscal year 2025 (15.8% net margin).
Dividend & Returns
Yes, First National Corporation (FXNC) pays a dividend with a yield of 2.09%. This makes it attractive for income-focused investors.
First National Corporation (FXNC) has a return on equity (ROE) of 10.0%. This is reasonable for most industries.
Industry Metrics
First National Corporation (FXNC) has a net interest margin (NIM) of 3.6%. This indicates healthy earnings from lending activities.
First National Corporation (FXNC) has an efficiency ratio of 54.5%. This is excellent, indicating strong cost control.