First National Bank
Altavista, VA · Cert 6811 · Peer group: banks $1B-$10B in assets (n=313-319) · Pinnacle Bankshares Corp.
National charter · OCC · 19 branches
Q2 2026
$1.1BAssets
$747.9MLoans
$1.0BDeposits
$91.5MEquity
Executive Summary
- Strongest standing: return on equity outperforms 93% of banks $1B-$10B in assets (rank 22 of 319).
- Widest gap: equity / assets trails 93% of banks $1B-$10B in assets (rank 297 of 319).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.69%
Rank 62 of 319
Net Interest Margin
3.86%
Rank 76 of 319
Efficiency Ratio
58.45%
Rank 139 of 319
Equity / Assets
8.03%
Rank 297 of 319
Non-interest income vs. expense
Unfavorable gap of $18.3M · efficiency ratio beats 57% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.69% | 0.91% | 1.21% | 1.53% | Beats 81% | 62 / 319 | |
| Return on Equity | 21.04% | 8.49% | 11.44% | 14.57% | Beats 93% | 22 / 319 | |
| Net Interest Margin | 3.86% | 3.06% | 3.43% | 3.81% | Beats 76% | 76 / 319 | |
| Efficiency Ratio | 58.45% | 51.90% | 59.57% | 67.64% | Beats 57% | 139 / 319 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.19% | 0.25% | 0.54% | 1.18% | Beats 80% | 63 / 313 | |
| Net Charge-Offs / Loans | 0.05% | 0.01% | 0.04% | 0.12% | Beats 45% | 173 / 313 | |
| Capital |
| Tier 1 Capital Ratio | 13.04% | 11.74% | 12.99% | 15.28% | Beats 50% | 158 / 319 | |
| Total Risk-Based Capital Ratio | 13.76% | 12.61% | 14.01% | 16.23% | Beats 46% | 171 / 319 | |
| Equity / Assets | 8.03% | 9.03% | 10.33% | 12.01% | Beats 7% | 297 / 319 | |
| Liquidity & Funding |
| Loans / Deposits | 71.80% | 76.76% | 88.16% | 95.43% | 17th pctl | 260 / 314 | |
| Loans / Assets | 65.64% | 65.79% | 74.05% | 79.84% | 24th pctl | 241 / 319 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |