First National Bank
Altavista, VA · Cert 6811 · Peer group: banks $1B-$10B in assets (n=322-328) · 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 94% of banks $1B-$10B in assets (rank 19 of 328).
- Widest gap: equity / assets trails 94% of banks $1B-$10B in assets (rank 308 of 328).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.69%
Rank 62 of 328
Net Interest Margin
3.86%
Rank 79 of 328
Efficiency Ratio
58.45%
Rank 149 of 328
Equity / Assets
8.03%
Rank 308 of 328
Non-interest income vs. expense
Unfavorable gap of $18.3M · efficiency ratio beats 55% 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% | 1.22% | 1.52% | Beats 81% | 62 / 328 | |
| Return on Equity | 21.04% | 8.43% | 11.45% | 14.43% | Beats 94% | 19 / 328 | |
| Net Interest Margin | 3.86% | 3.03% | 3.45% | 3.83% | Beats 76% | 79 / 328 | |
| Efficiency Ratio | 58.45% | 51.61% | 59.56% | 67.53% | Beats 55% | 149 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.19% | 0.24% | 0.51% | 1.03% | Beats 78% | 71 / 322 | |
| Net Charge-Offs / Loans | 0.05% | 0.01% | 0.03% | 0.10% | Beats 43% | 187 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 13.04% | 11.75% | 13.15% | 15.47% | Beats 48% | 169 / 328 | |
| Total Risk-Based Capital Ratio | 13.76% | 12.63% | 14.15% | 16.46% | Beats 45% | 179 / 328 | |
| Equity / Assets | 8.03% | 9.15% | 10.33% | 12.01% | Beats 6% | 308 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 71.80% | 76.63% | 87.92% | 95.36% | 19th pctl | 262 / 323 | |
| Loans / Assets | 65.64% | 65.18% | 74.15% | 79.98% | 26th pctl | 243 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |