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First National (FXNC) investor relations material
First National Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary30 Oct, 2025
Executive summary
Achieved record net income of $5.55 million for Q3 2025, with EPS of $0.62, up 11% sequentially and 72% year-over-year.
Integration of the Touchstone acquisition continues to drive growth in loans and deposits, despite muted organic loan growth due to higher loan payoffs.
Asset quality improved, with non-performing assets declining to 0.28% of total assets.
Financial highlights
Net interest income was $18.3 million, down $253 thousand from Q2 2025 due to lower accretion income and higher average interest-bearing liabilities.
Noninterest income rose to $4.5 million, up $611 thousand from the prior quarter, including a $304 thousand bargain purchase gain.
Noninterest expense increased to $15.8 million, mainly from higher salaries, benefits, and occupancy costs.
Return on average assets was 1.09%, up from 1.00% in Q2 2025 and 0.62% in Q3 2024.
Return on average equity was 12.43%, up from 11.85% in Q2 2025 and 7.28% in Q3 2024.
Net interest margin (FTE) was 3.84%, down from 3.95% in Q2 2025 but up from 3.43% in Q3 2024.
Outlook and guidance
Management expects continued profitability improvements from recent capital actions and ongoing integration of the Touchstone acquisition.
Additional experienced bankers have been added in key markets to support future loan growth.
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Next First National earnings date
Q4 20255 Feb, 2026
Next First National earnings date
Q4 20255 Feb, 2026
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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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