BlastPoint's Banking Scorecard
First National Bank
Designations: ✓ Community bank
Altavista, VA
20 branches across VA
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 23 in VA.
- Deposits +10.8% year over year ($1.0B on the books).
- Delinquency rate 0.19%.
- Return on assets 1.76%.
- Efficiency ratio 58.18% vs a 59.73% peer average.
- Loan-to-deposit ratio 71.29% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First National Bank has 5 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 12.2% in tier
- + Profitability Leader: Top 14.9% in tier
- + Revenue Diversifier: Top 32.4% in tier
- + Net Interest Margin 0.30% above tier average
- + Efficiency Ratio 1.54% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 6.5% in tier
- - Credit Quality Pressure: Bottom 11.6% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+9.7% YoY
+4.7% QoQ
|
-$1.7B |
$2.8B
-0.6% YoY
|
$17.9B
+3.0% YoY
|
$6.3B
+7.7% YoY
|
Bottom 13.0% in tier |
| Total Loans ? |
$742.6M
+3.1% YoY
+1.0% QoQ
|
-$1.2B |
$2.0B
-0.3% YoY
|
$10.9B
+3.1% YoY
|
$3.2B
+9.4% YoY
|
Bottom 9.8% in tier |
| Total Deposits ? |
$1.0B
+10.8% YoY
+4.3% QoQ
|
-$1.3B |
$2.3B
-0.5% YoY
|
$14.1B
+3.2% YoY
|
$4.9B
+7.3% YoY
|
19% |
| Return on Assets ? |
1.76%
+73.2% YoY
+52.1% QoQ
|
+0.36% |
1.39%
+17.0% YoY
|
1.34%
+70.7% YoY
|
1.30%
+12.1% YoY
|
80% |
| Net Interest Margin ? |
4.17%
+3.7% YoY
+1.5% QoQ
|
+0.30% |
3.87%
+6.2% YoY
|
3.88%
+6.6% YoY
|
3.95%
+4.9% YoY
|
76% |
| Efficiency Ratio ? |
58.18%
-18.5% YoY
-14.4% QoQ
|
-1.54% |
59.73%
-12.6% YoY
|
62.24%
-10.7% YoY
|
70.05%
+2.5% YoY
|
53% |
| Delinquency Rate ? |
0.19%
+40.5% YoY
-5.4% QoQ
|
-0.68% |
0.87%
+11.7% YoY
|
0.72%
+0.1% YoY
|
0.98%
+16.3% YoY
|
79% |
| Loan-to-Deposit Ratio ? |
71.29%
-7.0% YoY
-3.2% QoQ
|
-13.75% |
85.04%
-0.1% YoY
|
80.15%
+0.8% YoY
|
79.03%
+2.3% YoY
|
83% |
| Non-Interest-Bearing Deposit Share ? |
29.84%
+1.6% YoY
+2.5% QoQ
|
+8.57% |
21.27%
-1.5% YoY
|
26.19%
+3.5% YoY
|
21.98%
-0.6% YoY
|
84% |
| Nonperforming Asset Ratio ? |
0.12%
+32.0% YoY
-8.8% QoQ
|
-0.55% |
0.67%
+11.7% YoY
|
0.52%
-0.4% YoY
|
0.69%
+15.8% YoY
|
82% |
| Tier 1 Capital Ratio ? |
13.04%
-1.3% YoY
+5.6% QoQ
|
-1.80% |
14.84%
-0.4% YoY
|
16.58%
+3.9% YoY
|
17.09%
+0.8% YoY
|
49% |
| Non-Interest Income / Assets ? |
0.71%
+92.1% YoY
+303.4% QoQ
|
+0.18% |
0.53%
+2.5% YoY
|
0.52%
+72.6% YoY
|
0.66%
+5.2% YoY
|
Top 10.7% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
29.8%
+0.5pp YoY +0.7pp QoQ |
+8.5pp | 21.4% | 26.2% | 22.2% | 84% |
| Brokered Deposits | n/a | n/a | 9.5% | 8.5% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
11.9%
-0.6pp YoY -0.9pp QoQ |
-2.1pp | 14.0% | 11.0% | 12.5% | 55% |
| CRE |
41.3%
-1.2pp YoY +0.5pp QoQ |
-8.7pp | 50.0% | 46.9% | 41.4% | 27% |
| 1-4 Family |
27.2%
+2.9pp YoY +0.4pp QoQ |
+0.7pp | 26.4% | 32.6% | 31.3% | 60% |
| Consumer |
18.1%
-0.5pp YoY 0.0pp QoQ |
+13.3pp | 4.7% | 8.0% | 5.0% | 94% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.0%
-0.2pp YoY +0.7pp QoQ |
-2.6pp | 15.6% | 17.2% | 19.7% | 42% |
| Leverage Ratio |
8.8%
-0.8pp YoY +0.2pp QoQ |
-2.5pp | 11.3% | 12.2% | 12.6% | 9% |
| Total Capital Ratio |
13.8%
-0.2pp YoY +0.7pp QoQ |
-2.9pp | 16.7% | 18.3% | 20.8% | 36% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
193
+1 (+0.5%) YoY +8 (+4.3%) QoQ |
-121 | 313 | 1,956 | 482 | 39% |
| Assets per Employee ($) |
$5.9M
+9.2% YoY +0.4% QoQ |
-$4.6M | $10.5M | $9.9M | $8.8M | 11% |
| Branch Count |
20
0 YoY 0 QoQ |
-0 | 20 | 28 | 18 | 65% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY |
-0.2pp | 0.2% | 0.2% | 0.4% | 14% |
| Nonaccrual |
0.2%
+0.1pp YoY 0.0pp QoQ |
-0.6pp | 0.8% | 0.7% | 1.0% | 20% |
| Allowance Coverage |
3.75x
-29.2% YoY +5.7% QoQ |
-14.97x | 18.71x | 9.47x | 20.23x | 70% |
| Net Charge-off Rate (YTD) |
0.1%
+0.1pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.2% | 0.2% | 60% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
21.9%
+10.1pp YoY +7.5pp QoQ |
+9.3pp | 12.6% | 12.0% | 11.6% | 93% |
| Cost of Funds (YTD) |
1.1%
-0.1pp YoY 0.0pp QoQ |
-0.9pp | 1.9% | 1.7% | 1.7% | 6% |
| Net Income ($, YTD) |
$9.6M
+82.9% YoY — QoQ |
-$9.6M | $19.2M | $137.1M | $40.4M | 38% |
Get Full Access to First National Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (3)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.