First Bank (FDIC #6917): Bank Stress & Real-Estate Credit Exposure

First Bank (FDIC Cert #6917): bank stress 70/100, elevated, STABLE over 7 days; parent FIRST NATIONAL CORP.

First Bank (#6917) lends in 20 counties across 2 states; First Bank (#6917) reaches 183 ZIP codes: Virginia 18 counties, 162 ZIPs; North Carolina 2 counties, 21 ZIPs.

First Bank (#6917) largest markets: Rockingham County, VA (22 branches, 22 ZIPs) (#6917), Richmond County, VA (17 branches, 17 ZIPs) (#6917), Chesterfield County, VA (32 branches, 16 ZIPs) (#6917), Brunswick County, VA (16 branches, 16 ZIPs) (#6917), Shenandoah County, VA (45 branches, 15 ZIPs) (#6917), Mecklenburg County, VA (26 branches, 13 ZIPs) (#6917).

First Bank (#6917) reports $2.07 billion in total assets; First Bank (#6917) equity $195.5 million (9.4% of First Bank (#6917) assets); First Bank (#6917) domestic deposits $1.85 billion; First Bank (#6917) net income $11.7 million; First Bank (#6917) return on assets 1.14%; First Bank (#6917) return on equity 12.24%; First Bank (#6917) net interest income $39.1 million; First Bank (#6917) call report June 30, 2026.

First Bank (#6917) noncurrent real-estate loans: none reported; First Bank (#6917) net charge-offs on real estate 0.18%.

First Bank (#6917) net interest margin 4.07% against an eight-quarter First Bank (#6917) average of 3.86% (First Bank (#6917) compression -0.22 points); First Bank (#6917) real-estate loans 0.1% of equity; First Bank (#6917) rate-exposure score 40/100, First Bank (#6917) fixed-rate trap 40/100; First Bank (#6917) risk type credit driven; First Bank (#6917) rate regime rates elevated, First Bank (#6917) snapshot October 19, 2026.

First Bank (#6917) stress score moved from 70.3 on June 22, 2026 to 69.8 on October 20, 2026; First Bank (#6917) ranged 69.8 to 70.3 over 117 snapshots.

First Bank (#6917) alerts: 18 counties; top First Bank (#6917) alert scores: Winchester County, VA 43 (moderate); Waynesboro County, VA 42 (moderate); Staunton County, VA 42 (moderate); Roanoke County, VA 41 (moderate); Richmond County, VA 37 (moderate).