First National Bank
Altavista, VA
IDRSSD: 979629
Total Assets
$1.03B
Latest filing
Total Deposits
$938.06M
Latest filing
Net Interest Margin
4.23%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
First National Bank
622 Broad St
Altavista, VA 24517
Full Service - Brick and Mortar
Updated 11/14/2025Established 03/01/1908FDIC Certificate 4582
Branches (19)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| First National Bank (Main) | 622 Broad St | Altavista, VA |
| DANVILLE MAIN BRANCH | 336 Main St | Danville, VA |
| VISTA BRANCH | 1303 Main St | Altavista, VA |
| AIRPORT BRANCH | 14580 Wards Rd | Lynchburg, VA |
| KINGS FAIRGROUND PLAZA BRANCH | 2600 Riverside Dr | Danville, VA |
| 58 EAST AT AIRPORT BRANCH | 1312 S Boston Rd | Danville, VA |
| CHATHAM BRANCH | 55 N Main St | Chatham, VA |
| MOUNT HERMON BRANCH | 4080 Franklin Tpke | Danville, VA |
Showing 7 of 19
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 03/01/1908 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 24517 |
| State and County Number | 51031 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 05 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Lynchburg, VA |
Operational Info
| Number of Employees | 192 |
| Domestic Offices | 20 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | http://www.1stnatbk.com |
| Data Updated | 11/14/2025 |
| CERT | 6811 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.03B |
| Total Deposits | $938.06M |
| Total Liabilities | $943.52M |
| Total Equity Capital | $85.39M |
| Net Income | $3.13M |
| Net Loans and Leases | $724.17M |
| Assets Per Employee ($Millions) | $5.36M |
| Bank Premises and Fixed Assets | $22.95M |
| Cash and Balances due from Depository Institutions | $105.55M |
| Deposits Held in Domestic Offices | $938.06M |
Key Performance Ratios
| Return on Assets (ROA) | 1.21% |
| Return on Equity (ROE) | 14.1% |
| Net Interest Margin | 4.23% |
| Efficiency Ratio | 68.07% |
| Tier 1 Risk-Based Capital Ratio | 12.193% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.01% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.299% |
| Earning Assets to total Assets | 93.6% |
Income and Expense
| Total Interest Income | $13.00M |
| Total Noninterest Income | $2.04M |
| Total Interest Expense | $2.78M |
| Total Noninterest Expense | $8.39M |
| Net Interest Income | $10.23M |
| Pre-tax Net Operating Income | $3.85M |
| Provision for Credit Losses | $30.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $5.46M |
| Total Liabilities and Capital | $1.03B |
Securities
| Securities | $145.36M |
| Available-for-sale debt securities | $145.36M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First National Bank?
$1.03B as of the latest filing.
How much are First National Bank's total deposits?
$938.06M in total deposits.
Where is First National Bank located?
Altavista, VA.
What is the Net Interest Margin?
4.23%.
How many domestic offices does it operate?
20.
When was it established?
03/01/1908.
What is the Return on Assets (ROA)?
1.21%.
How much are total loans and leases?
$724.17M (latest filing).
What is the total interest income (latest filing)?
$13.00M.