---
schema_version: "secwatch.filing_event.v1"
accession: "0001437749-25-023891"
form_type: "8-K"
ticker: "FXNC"
cik: "0000719402"
company_name: "FIRST NATIONAL CORP /VA/"
filed_at: "2025-07-30T23:59:59+00:00"
generated_at: "2026-05-17T23:19:58.104819+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# First National reports record Q2 2025 net income $5.05M, EPS $0.56

## Summary
- Net income $5.05M ($0.56 per share); adjusted EPS $0.57; EPS up 44% YoY.
- Net interest margin (FTE) 3.95%, up 16.2% from 3.40% a year ago.
- Efficiency ratio improved to 65.11% from 70.64% in prior year.
- Loans held for investment $1.428B (+46.1% YoY); total deposits $1.803B (+42.5% YoY).
- Tangible book value per share $17.40; dividend maintained at $0.155/share.

## SEC filing metadata
- accession: 0001437749-25-023891
- form_type: 8-K
- ticker: FXNC
- cik: 0000719402
- company_name: FIRST NATIONAL CORP /VA/
- filed_at: 2025-07-30T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/719402/000143774925023891/0001437749-25-023891-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/719402/000143774925023891/fxnc20250602_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-25-023891
- JSON: https://secwatch.observer/filing/0001437749-25-023891.json
- Plain text: https://secwatch.observer/filing/0001437749-25-023891.txt

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