---
schema_version: "secwatch.filing_event.v1"
accession: "0001437749-24-033562"
form_type: "8-K"
ticker: "FXNC"
cik: "0000719402"
company_name: "FIRST NATIONAL CORP /VA/"
filed_at: "2024-11-06T23:59:59+00:00"
generated_at: "2026-05-30T04:56:34.718586+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# First National Corp Q3 net income $2.2M, EPS $0.36; adjusted EPS $0.39

## Summary
- Net income $2.2M ($0.36 per share) vs $3.1M ($0.50) in Q3 2023; adjusted net income $2.4M ($0.39).
- Net interest margin improved to 3.43% from 3.35% a year ago; efficiency ratio improved to 67.95% from 70.67%.
- Adjusted pre-provision pre-tax earnings $4.7M vs $3.95M in prior year period.
- Return on average assets 0.62% and return on average equity 7.28%.

## SEC filing metadata
- accession: 0001437749-24-033562
- form_type: 8-K
- ticker: FXNC
- cik: 0000719402
- company_name: FIRST NATIONAL CORP /VA/
- filed_at: 2024-11-06T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/719402/000143774924033562/0001437749-24-033562-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/719402/000143774924033562/fxnc20240823_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-24-033562
- JSON: https://secwatch.observer/filing/0001437749-24-033562.json
- Plain text: https://secwatch.observer/filing/0001437749-24-033562.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.