---
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"
generated_at: "2026-05-17T01:28:43.684806+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 Q3 net income $5.55M; EPS $0.62 up 72% YoY

## Summary
- 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.

## SEC filing metadata
- 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
- 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/719402/000143774925032358/0001437749-25-032358-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/719402/000143774925032358/fxnc20250820_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-25-032358
- JSON: https://secwatch.observer/filing/0001437749-25-032358.json
- Plain text: https://secwatch.observer/filing/0001437749-25-032358.txt

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