First National reports record Q3 net income $5.55M; EPS $0.62 up 72% YoY

FIRST NATIONAL CORP /VA/

2025-Q3 EPS reported $1.35 vs consensus $0.59 ▲ beat (+128.2%)

EPS $0.62, up 11% from Q2 2025 and 72% from Q3 2024; ROAA 1.09% vs 0.62% a year ago.
Net interest margin (FTE) 3.84%, up 41 bps YoY but down 11 bps sequentially on lower loan accretion.
Provision for credit losses fell to $193K from $911K in Q2; NPAs improved to 0.28% of assets.
Tangible book value per share rose to $18.26 from $17.40 in Q2; dividend maintained at $0.155/share.
Called $5M subordinated debt redeemed Oct 1; calling $8M sub debt to be redeemed Nov 15.

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