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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
First National
First National (FXNC) investor relations material
First National Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary23 Oct, 2026
Executive summary
Record Q3 and 9M 2026 performance: net income $6.9M for Q3 and $17.5M for 9M; Q3 basic and diluted EPS $0.76.
Organic lending growth, improved net interest margin, sound asset quality and expense management supported results.
Financial highlights
Q3 net interest income was $21.2M, up $1.2M QoQ; FTE net interest margin was 4.38%, versus 4.15% QoQ and 3.84% YoY.
9M net interest income was $59.9M, versus $54.3M in 9M 2025; net income was $17.5M, versus $12.2M.
Q3 noninterest income was $4.1M and noninterest expense was $16.7M; expense rose $259K QoQ, including higher employee benefits and OREO expense.
Q3 net loan growth was $13.6M, a 3.7% annualized rate; 9M growth was $67.3M, or 4.7%.
Outlook and guidance
Sale of two North Carolina offices completed in early October; a one-time gain is anticipated in Q4 2026.
Branch sales and consolidations are expected to reduce office locations from 33 to 28 by year-end, with goals of streamlining operations and improving future profitability.
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Latest events from First National
- Earnings and margins improved on loan growth, with branch sales set to boost Q4 results.FXNC
Q2 2026 - Net income rose to $4.9M, with strong loan growth, improved margins, and robust capital ratios.FXNCQ1 2026
- Shareholders will elect directors, ratify the auditor, and review robust governance and compensation practices.FXNCProxy filing
- Record earnings and improved asset quality marked a strong year of growth and integration.FXNCQ4 2025
- Proxy covers director elections, auditor ratification, and performance-based executive pay.FXNCProxy Filing
- Record Q3 2025 earnings, strong capital, and improved asset quality despite muted loan growth.FXNCQ3 2025
- Record earnings and margin expansion followed the Touchstone acquisition, with strong asset quality.FXNCQ2 2025
- Net income fell as credit loss provisions rose, while the Touchstone merger expanded scale.FXNCQ3 2024
- Earnings fell as expenses rose, but loan growth and Touchstone merger progress continued.FXNCQ2 2024
Next First National earnings date
Q4 20262 Feb, 2027
First National
Next First National earnings date
Q4 20262 Feb, 2027
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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.