{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-25-032358","form_type":"8-K","ticker":"FXNC","cik":"0000719402","company_name":"FIRST NATIONAL CORP /VA/","filed_at":"2025-10-30T23:59:59+00:00","discovered_at":"2026-05-14T18:02:41.998138+00:00","generated_at":"2026-05-17T01:28:43.684806+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"First National reports record Q3 net income $5.55M; EPS $0.62 up 72% YoY","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-25-032358","json":"https://secwatch.observer/filing/0001437749-25-032358.json","markdown":"https://secwatch.observer/filing/0001437749-25-032358.md","text":"https://secwatch.observer/filing/0001437749-25-032358.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/719402/000143774925032358/0001437749-25-032358-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/719402/000143774925032358/fxnc20250820_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T01:28:43.684806+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}