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First National (FXNC) investor relations material
First National Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary30 Jul, 2025
Executive summary
Net income rose to $5.1 million ($0.56 per diluted share) for Q2 2025, up from $2.4 million ($0.39 per share) year-over-year, driven by higher net interest income and the Touchstone merger.
Achieved record Q2 2025 earnings of $5.05M, with adjusted earnings of $5.1M, driven by net interest margin expansion and improved efficiency post-Touchstone acquisition.
Earnings per share rose 211% sequentially and 44% year-over-year; return on average assets reached 1.00% and return on average equity 11.85%.
The Touchstone Bankshares acquisition expanded the branch network and contributed to growth in assets, loans, and deposits.
Merger-related costs totaled $2.0 million for the six months ended June 30, 2025.
Financial highlights
Net income for the six months ended June 30, 2025 was $6.6 million ($0.74 per diluted share), up from $5.7 million ($0.90 per share) year-over-year.
Net interest income for Q2 2025 was $18.5M, up $1.0M from Q1 2025, with earning asset yields rising to 5.35%.
Noninterest income increased 7.7% sequentially to $3.9M, mainly from ATM, check card, and mortgage fees.
Noninterest expenses increased by $4.5 million in Q2 and $13.0 million for the six months, mainly from higher salaries, operating costs, and merger expenses.
Net loans held for investment were $1.428B, up 46.1% year-over-year; total deposits were $1.803B, up 42.5% year-over-year.
Outlook and guidance
Management expects continued benefits from the Touchstone merger, including revenue synergies and cost savings, though integration costs and market conditions may impact results.
The company remains focused on maintaining strong capital and liquidity positions to support growth and absorb potential losses.
Management expects continued benefits from the Touchstone acquisition, focusing on disciplined deposit pricing and efficiency.
Forward-looking statements caution on risks and uncertainties, referencing recent SEC filings for detailed risk factors.
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Next First National earnings date
Q3 202524 Oct, 2025
Next First National earnings date
Q3 202524 Oct, 2025
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Frequently asked questions
First National Corporation operates as the holding company for First Bank, which provides a range of banking and financial services to individuals, businesses, and local governments. The company offers deposit products such as checking and savings accounts, certificates of deposit, and money market accounts. Its lending portfolio includes commercial, residential, and consumer loans, as well as loans for small businesses and agricultural purposes. First National Corporation also provides services such as online and mobile banking, wealth management, and treasury services. The company is headquartered in Strasburg, Virginia, and its shares are listed on the NASDAQ.
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