First National 三季度净利690万美元创纪录：净息差升至4.38%，年底前网点由33家减至28家
总部位于弗吉尼亚州 Strasburg 的 First National Corporation（NASDAQ: FXNC）10月23日公布截至2026年9月30日的第三季度业绩：当季合并净利690万美元、基本与摊薄每股收益均为0.76美元，均创纪录；2026年前九个月合并净利1,750万美元、基本每股收益1.94美元、摊薄每股收益1.93美元。该公司是 First Bank 的银行控股公司，First Bank 1907年在 Strasburg 开业。
总裁兼首席执行官 Scott C. Harvard 表示，公司对三季度与今年以来的创纪录表现非常满意：三季度有机贷款增长延续、所有市场新贷款投放强劲，净息差改善、资产质量优良与费用管理共同驱动了业绩；分行优化已在三季度完成，关闭并合并三家营业网点、关闭异地 ATM；10月初已完成出售位于北卡罗来纳州的两家营业网点，预计将在第四季度确认一笔收益。
盈利指标方面，三季度全税收等值净息差4.38%，高于第二季度的4.15%与上年同期的3.84%；净利息收入（全税收等值）2,130万美元，环比增加120万美元。当季平均资产回报率1.32%、平均股本回报率14.02%。当季未计提净信贷损失拨备（二季度为42.6万美元），净核销59.4万美元；9月30日贷款信贷损失准备1,440万美元、占贷款总额0.96%。非利息收入410万美元，非利息支出1,670万美元。
资产负债表方面，9月30日总资产20.75亿美元，同比增长2.2%；持有待投资贷款（扣除准备后）14.86亿美元，当季增长1,340万美元、年化增幅3.6%，较上年同期增加6,730万美元；存款总额18.29亿美元，与二季度基本持平、同比增长1.1%，其中无息存款5.201亿美元、占存款28%。不良资产540万美元、占总资产0.26%；有形账面价值每股19.94美元，高于二季度末的19.71美元与上年同期的18.26美元；三季度宣派并支付每股0.17美元现金股息。
网点方面，出售的北卡罗来纳州 Roanoke Rapids 与 Louisburg 两家网点已于10月初完成交易，连同三季度合并的三家网点，该行营业网点将在年底前由33家减至28家，公司称此举旨在精简运营、提高未来盈利能力并把资源投向增长更快的市场。First Bank 通过位于 Shenandoah Valley、Roanoke Valley、Richmond 都市区与弗吉尼亚州中南部的营业网点提供贷款与存款服务，并设有 First Bank Wealth Management 财富管理部门。
First National Corporation Reports Record Third-Quarter Net Income of $6.9 Million, Net Interest Margin Rises to 4.38%
First National Corporation (NASDAQ: FXNC), headquartered in Strasburg, Virginia, reported on October 23 consolidated net income of $6.9 million and basic and diluted earnings per common share of $0.76 for the three months ended September 30, 2026, a record performance for the quarter. For the nine months ended September 30, 2026, consolidated net income was $17.5 million, with basic and diluted earnings per share of $1.94 and $1.93. The company is the bank holding company of First Bank, a community bank that first opened for business in 1907 in Strasburg.
President and CEO Scott C. Harvard said the company was extremely pleased with its record financial performance for the quarter and the year. Organic loan growth continued in the third quarter with strong new loan production in all markets, and the improved net interest margin, excellent asset quality and expense management drove performance. The branch optimization process was completed in the third quarter as the bank closed and consolidated three banking offices and closed its off-site ATMs; in early October the company completed the sale of its two North Carolina banking offices and will book a gain in the fourth quarter.
The tax-equivalent net interest margin was 4.38% in the third quarter, up from 4.15% in the second quarter and 3.84% a year earlier; tax-equivalent net interest income was $21.3 million, up $1.2 million from the prior quarter. Return on average assets was 1.32% and return on average equity was 14.02%. The company recorded no net provision for credit losses in the third quarter, compared with $426,000 in the second quarter, and net charge-offs totaled $594,000. The allowance for credit losses on loans totaled $14.4 million, or 0.96% of total loans, at September 30. Noninterest income was $4.1 million and noninterest expense was $16.7 million.
Total assets were $2.075 billion at September 30, 2026, up 2.2% from a year earlier. Loans held for investment, net of allowance, totaled $1.486 billion, up $13.4 million in the quarter and $67.3 million from a year earlier. Total deposits were $1.829 billion, roughly stable from the prior quarter and up 1.1% from a year earlier, with noninterest-bearing deposits of $520.1 million making up 28% of deposits. Non-performing assets were $5.4 million, or 0.26% of total assets. Tangible book value per share grew to $19.94, from $19.71 at June 30 and $18.26 a year earlier. The company declared and paid cash dividends of $0.17 per common share in the third quarter.
The two North Carolina banking offices sold in early October are in Roanoke Rapids and Louisburg. Together with the three offices consolidated in the third quarter, the sales and consolidation will reduce the number of banking offices from 33 to 28 by year end, which the company said will streamline operations, improve future profitability and allocate resources to faster-growing markets. First Bank serves the Shenandoah Valley, the Roanoke Valley, the Richmond metropolitan area and south-central Virginia, and operates a wealth management division under the name First Bank Wealth Management.
来源：GSM·美国（原文链接）
图片来源：弗吉尼亚州 Shenandoah 河谷自 Strasburg 附近 Signal Knob 远望，First National 总部所在地 Strasburg 位于该河谷（资料图）。美国国家公园管理局 NPS 摄，公共领域，经 Wikimedia Commons 取用 / The Shenandoah River Valley viewed from Signal Knob Overlook near Strasburg, Virginia, where First National is headquartered (file photo). Photo by the U.S. National Park Service, public domain, via Wikimedia Commons
