TellerScore

First National Bank (FDIC certificate #6811) is based in Altavista, Virginia. Its Q2 2026 call report shows $1.1B in total assets and $1.0B in deposits and 20 offices.

Based on its Q2 2026 filing, First National Bank scores 73/100, which we describe as strong. That is higher than 70% of 897 banks with $1 billion – $10 billion. Among 56 banks headquartered in Virginia, it ranks 30th. Its strongest component is problem-loan coverage (97/100; 1.5%), and its lowest is capital cushion (38/100; 8.84%).

TellerScore · Q2 2026

Scorecard

Capital cushion38/100
Tier 1 leverage ratio: 8.84%
Loan quality94/100
Noncurrent loans ÷ total loans: 0.19%
Earnings90/100
Return on assets (annualized): 1.76%
Funding & liquidity70/100
Loans ÷ deposits and uninsured-deposit share: 71.3% · 32.3% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.46%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (71 → 73), mostly because the earnings component improved by 29 points.

TellerScore
687173Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202468
Q3 202468
Q4 202468
Q1 202570
Q2 202571
Q3 202569
Q4 202569
Q1 202668
Q2 202673
Tier 1 leverage ratio
5.00%7.32%9.63%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.14%
Q3 20249.21%
Q4 20249.21%
Q1 20259.35%
Q2 20259.63%
Q3 20258.82%
Q4 20258.89%
Q1 20268.63%
Q2 20268.84%
Noncurrent loans
0.13%0.18%0.22%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.20%
Q3 20240.14%
Q4 20240.22%
Q1 20250.14%
Q2 20250.13%
Q3 20250.18%
Q4 20250.20%
Q1 20260.20%
Q2 20260.19%
Return on assets
0.91%1.33%1.76%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.92%
Q3 20240.91%
Q4 20240.97%
Q1 20250.92%
Q2 20251.01%
Q3 20251.08%
Q4 20251.08%
Q1 20261.15%
Q2 20261.76%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$1.1B8.84%0.19%1.76%71.3%
Q1 202668$1.1B8.63%0.20%1.15%73.7%
Q4 202569$1.1B8.89%0.20%1.08%75.6%
Q3 202569$1.0B8.82%0.18%1.08%77.2%
Q2 202571$1.0B9.63%0.13%1.01%76.7%
Q1 202570$1.0B9.35%0.14%0.92%76.0%
Q4 202468$1.0B9.21%0.22%0.97%74.2%
Q3 202468$1.0B9.21%0.14%0.91%73.1%
Q2 202468$996.1M9.14%0.20%0.92%73.0%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.84%
9th
Total risk-based capital13.76%
52nd
Problem loans0.19%
78th
Net charge-offs0.07%
38th
Return on assets1.76%
81st
Net interest margin4.17%
76th
Efficiency ratio58.2%
53rd
Loans to deposits71.3%
82nd
Uninsured deposits32.3%
46th
Loan-loss reserves0.71%
11th
Texas ratio1.5%
77th

Similar-size banks in Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
Trustar BankBank Great Falls, VA58 out of 100, Moderate$1.1B9.4%0.39%vs
The Freedom Bank of VirginiaBank Fairfax, VA40 out of 100, Below average$1.0B11.1%3.26%vs
Bank of the JamesBank Lynchburg, VA69 out of 100, Moderate$1.0B9.4%0.16%vs
Skyline National BankBank Independence, VA66 out of 100, Moderate$1.3B8.8%0.34%vs
Farmers & Merchants BankBank Timberville, VA70 out of 100, Strong$1.4B9.1%0.43%vs
Benchmark Community BankBank Kenbridge, VA75 out of 100, Strong$1.4B9.8%0.17%vs

Deposit insurance

Is my money safe at First National Bank?

Yes. First National Bank is an FDIC-insured institution (FDIC certificate #6811). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 32.3% of deposits ($336.7M) are above the $250,000 FDIC insurance limit, close to the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.84%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.76% (benchmark: 10%).

Check how much of your own balance is covered

20 locations

Branches

First National Bank lists 19 offices in 10 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First National Bank reported 188 home-loan applications under HMDA (LEI 5493007WCJ9R6VLLYR82): 159 originated ($46,155,000 total), 15 denied, and 13 withdrawn or closed by the applicant. Its denial rate on decided applications was 8.6%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
First National Bank
Former names
The First National Bank of Altavista
Type
National bank
FDIC certificate #
6811
RSSD ID
979629
Primary regulator
OCC
Holding company
Pinnacle Bankshares Corp
Established
March 1, 1908
Headquarters
622 Broad St, Altavista, VA 24517
Employees
193

Quick answers

First National Bank: common questions

Is First National Bank FDIC insured?

Yes. First National Bank is an FDIC-insured institution (FDIC certificate #6811). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First National Bank's TellerScore?

73 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has First National Bank ever failed?

There is no failure record for FDIC certificate #6811 in the FDIC failed bank list.

How many branches does First National Bank have?

20 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Altavista

InstitutionScoreAssetsCapitalProblem loansCompare
The Bank of Charlotte CountyBank Phenix, VA87 out of 100, Very strong$222.8M12.8%0.33%vs
Kemba Roanoke Federal Credit UnionCredit union Salem, VA82 out of 100, Strong$76.7M16.4%0.74%vs
Lynchburg Municipal Employees Federal Credit UnionCredit union Lynchburg, VA81 out of 100, Strong$31.4M12.1%0.28%vs
Carter Bank & TrustBank Martinsville, VA76 out of 100, Strong$4.8B11.7%1.01%vs
The Farmers Bank of AppomattoxBank Appomattox, VA76 out of 100, Strong$374.6M12.6%0.59%vs
United BankBank Fairfax, VA74 out of 100, Strong$33.6B11.6%0.44%vs