# FIRST NATIONAL BANK
ALTAVISTA, VA · FDIC certificate 6811 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *auto lender*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.14B | |
| Deposits | $1.04B | |
| Loans and leases | $747.9M | |
| Total equity | $91.5M | |
| Loans / deposits | 71.29% (p18 of band) | 87.10% |
| Liquid assets / assets | 29.88% (p76 of band) | |
| Uninsured deposits / deposits | 32.32% (p54 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.84% (p10 of band) | 10.50% |
| Unrealized securities loss / equity | -9.25% (p43 of band) | -7.75% |
| AOCI / equity | -0.80% (p24 of band) | |
| ROA (annualized) | 1.76% (p80 of band) | 1.26% |
| Net interest margin | 4.17% (p76 of band) | 3.70% |
| Efficiency ratio | 58.18% (p47 of band) | |
| Noncurrent loans | 0.19% (p22 of band) | 0.51% |
| Net charge-offs (annualized) | 0.05% (p62 of band) | |
| Reserve coverage of noncurrent | 374.50% | |
| Real estate % of loans | 68% | |
| Construction % of loans | 30.73% (p31 of band) | |
| Auto loans | $127.1M (17.00% of loans; DQ 0.29%, NCO 0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 10.8% | |
| Employees | 193 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 1 |  | reserve under noncurrent |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | construction >100% equity |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | reserve under noncurrent |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 0 |  | reserve under noncurrent |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | liquid assets <10% |  |
| 2016-09 | 1 | capital falling | liquid assets <10% |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | reserve under noncurrent |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 0 |  | capital falling, reserve under noncurrent |
| 2017-12 | 1 | auto book souring |  |
| 2018-03 | 0 |  | auto book souring |
| 2018-06 | 1 | auto book souring |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | auto book souring |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | auto book souring |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | capital falling |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 0 |  | auto book souring, capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 1 | expense ratio p90 |  |
| 2022-03 | 1 | capital falling | expense ratio p90 |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-12 | 1 |  | AOCI drag >20% of equity |
| 2023-03 | 0 |  | securities losses >30% of equity |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | uninsured deposits leaving |  |
| 2026-03 | 0 |  | uninsured deposits leaving |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-01 [Two-alarm fire shuts down multiple blocks in downtown Richmond - richmonder.org](https://news.google.com/rss/articles/CBMikwFBVV95cUxPTzFWR2lsZmVDbTdXWTVJS2JMZUdlcXdtVnF5QTlxbThkOWk1NFBjbUlqdFJUZVBRM3JHcFV6d0VPQ2RyY0NYM1BjbzNmdFVRQ2lZaTBYQWRkdEVMdjZJcmhUWXFOVEN0eE5iNUNabVBjNlpMdXlGb3hNREdaaTFlaVA0bTZVSWpLZFVlS1B0N1pLdnM?oc=5) · richmonder.org
- 2026-05-04 [Pinnacle Bankshares Corporation Announces First National Bank’s Sale of Membership in Bearing Insurance Group, LLC - Yahoo Finance](https://news.google.com/rss/articles/CBMisgFBVV95cUxPZnMyQlNHVEhwSmQxbFV4VG45OWJfYmV6ZGxvMGNWU1FFN1ZXYXlBSWRwT1o4SHRkRzBCTVR5RjlrcHRRM202aHlYT2JqeExjMElrOXJBbUJCLVEwX0hTQlZhY3BZZGJjcHFmd29VbHd1ZmV3YnRmd2MyQXRFUDNMNFlFX0JadG82VkdHdWp3MkIxMzh4ci0xZzFOaUJqZHVKRm9vS1prY09abm5SemJoc0tB?oc=5) · Yahoo Finance
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2025-12-05 [Bank with new Cincinnati owners, HQ hires first C-level executive - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxQaWJHRU9uNzJtaEp3Q0dwSEpoMWtsSE1oRTV0Q3B1UlBqb05FZXYzUjlyWWRjSDFxcVVINlp0UlNRMVh5LXBfVE5EVWpCWWdPTlJGM1RyektDSW5nbWNIYXA1UW1ibFNjTGgxMEkyS2trcWpERnpkN1JFNnlPOEh5UTF6NWV6VkJZcFNaR25uNDVsbEduWkxPenJwbjkzb2RHdmhqYTEzVWtWaTVjNkE?oc=5) · The Business Journals
- 2026-05-12 [22-year banker to lead Blue Ridge Bank's Central Virginia market - stocktitan.net](https://news.google.com/rss/articles/CBMiwAFBVV95cUxQT1hrbWlHeXRYWFlEelFkLWxVeXJseDNGYW44Q2x4OXpkaHFGTFk5akRjSDdGdmwzaGJSbENFQ1F6NGFYdEtVaEVPVHlUblJQVHJOQWFOd0oxVWpDWHFrMm1IRjA4bWpJMFVTVXprcWlBczg0NldyQ2FQc3FNQUM3bkdSNEh2VzI2QUZ1dHdYbFJpTjdlNk5WOFNRZGh2WHR0dmNIV3drWS1IVE5id3BPclVIbVB1R2tILWdHZGREdE4?oc=5) · stocktitan.net
- 2022-07-27 [First National Bank to expand in NoVa, Richmond - Virginia Business](https://news.google.com/rss/articles/CBMiggFBVV95cUxOdDF1bXdWSWRPRGpPNVdiVGRrOGlfQUd0Sm9xN0ZPMmJUSW1NUTMycVIxUTBRWEttWmppRjQ3REZjVmhUSGl4TXFFVE9wT2hHWlNjWm5TMUtIN2NzMm9pcVFkMFlZVEZ1LUs4ekx2NWtUckQ0Y3EwNHNhbWxQUDVHbFR3?oc=5) · Virginia Business
- 2025-11-17 [First National Bank Bonus Offers for 2025 - GOBankingRates](https://news.google.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?oc=5) · GOBankingRates
- 2025-10-04 [Local exec buys West Virginia bank, plans NKY HQ - WKRC](https://news.google.com/rss/articles/CBMixgFBVV95cUxPQmNWQVJ5WUdwSjJEcmZVV3QtRVlxYjEwVzFQUm01TVJPbGd4UUlkNGVJQUxWYkhDdVp4ZXNUT3VKTk5UdkxuYzRDTXQ0RHZEbW5heE5jSDUwX2prUFByVlQtbHpPUUZtLTB4RGFyNzRXQXQ4VXRBNTRGMFRQdDRYLVlXaDlVcXJDbDdyX1VTeTJYX05MUDRtNC1fWUFEaFZoSzltVlkzUlhWaHdfeWR2M1ZsckIyZ2JNUWVhSVhxRGlpc08ta2c?oc=5) · WKRC

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=6811 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/27.json (key "6811", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide