First National Bank (FDIC #6811): Bank Stress & Real-Estate Credit Exposure

First National Bank (FDIC Cert #6811): bank stress 62/100, elevated, STABLE over 7 days; parent PINNACLE BANKSHARES CORP.

First National Bank (#6811) lends in 8 counties across 1 state; First National Bank (#6811) reaches 88 ZIP codes: Virginia 8 counties, 88 ZIPs.

First National Bank (#6811) largest markets: Albemarle County, VA (24 branches, 24 ZIPs) (#6811), Pittsylvania County, VA (60 branches, 20 ZIPs) (#6811), Bedford County, VA (38 branches, 19 ZIPs) (#6811), Halifax County, VA (14 branches, 14 ZIPs) (#6811), Campbell County, VA (70 branches, 14 ZIPs) (#6811), Amherst County, VA (9 branches, 9 ZIPs) (#6811).

First National Bank (#6811) reports $1.14 billion in total assets; First National Bank (#6811) equity $91.5 million (8.0% of First National Bank (#6811) assets); First National Bank (#6811) domestic deposits $1.04 billion; First National Bank (#6811) net income $9.6 million; First National Bank (#6811) return on assets 1.76%; First National Bank (#6811) return on equity 21.85%; First National Bank (#6811) net interest income $21.4 million; First National Bank (#6811) call report June 30, 2026.

First National Bank (#6811) noncurrent real-estate loans: none reported; First National Bank (#6811) net charge-offs on real estate 0.27%; First National Bank (#6811) residential charge-offs 0.03%.

First National Bank (#6811) net interest margin 4.17% against an eight-quarter First National Bank (#6811) average of 3.99% (First National Bank (#6811) compression -0.18 points); First National Bank (#6811) non-residential real estate 2.9% of equity; First National Bank (#6811) rate-exposure score 40/100, First National Bank (#6811) fixed-rate trap 40/100; First National Bank (#6811) risk type credit driven; First National Bank (#6811) rate regime rates elevated, First National Bank (#6811) snapshot October 19, 2026.

First National Bank (#6811) stress score moved from 73.5 on June 22, 2026 to 62.4 on October 20, 2026; First National Bank (#6811) ranged 62.4 to 73.5 over 117 snapshots.

First National Bank (#6811) alerts: 7 counties; top First National Bank (#6811) alert scores: Amherst County, VA 49 (moderate); Lynchburg County, VA 47 (moderate); Danville County, VA 47 (moderate); Charlottesville County, VA 42 (moderate); Forest County, VA 22 (low).