First National quarterly net revenue rises 10.9% to $25.3 million
First National's revenue growth is speeding up. Results for the quarter ended September 30, 2026, from the earnings release filed with the SEC on Oct 23, 2026.
Snapshot
First National's revenue growth is speeding up: net revenue rose 10.9% to $25.3 million in the quarter ended September 30, 2026, from $22.8 million a year earlier, after 7.0% year over year growth the quarter before.
- Independent Research
Market Data
| Company | 1D % | Price |
|---|---|---|
| ($FXNC) | ▲ +1.56% | 30.32 |
as of 15:24 ET · Realtime derived data
What We Know
Net revenue, the sum of net interest income and noninterest income, was $25.3 million for the quarter ended September 30, 2026, versus $22.8 million a year earlier, up 10.9%. Net interest income was $21.2 million, versus $18.3 million a year earlier, up 15.9%. Noninterest income was $4.1 million, versus $4.5 million a year earlier, down 9.2%. The provision for credit losses was $0.4 million, versus $0.2 million a year earlier. Diluted earnings per share was $0.76, up from $0.62.
Quarterly net revenue by quarter end, oldest first: Dec 2024: $24.8 million; Mar 2025: $21.1 million; Jun 2025: $22.4 million; Sep 2025: $22.8 million; Dec 2025: $24.0 million; Mar 2026: $22.5 million; Jun 2026: $24.0 million; Sep 2026: $25.3 million.
Octans View
Year over year net revenue change by quarter, computed from the filed figures: Dec 2025 down 3.4%; Mar 2026 up 6.8%; Jun 2026 up 7.0%; Sep 2026 up 10.9%. On those figures, First National's revenue growth is speeding up. That read compares the latest two year over year growth rates and nothing else.
Bear Case · Room for Disagreement
This brief covers net revenue, net interest income, noninterest income, the provision for credit losses and diluted earnings per share, each on the reported basis. Banks also publish managed or adjusted figures; those are not used here. It does not cover capital ratios, credit quality, guidance or the earnings call, and it makes no forecast.
Method and source. Each figure is taken from a row of the company's earnings release or financial supplement that also prints the year ago quarter exactly as the company reported it in its own XBRL financial data; rows that do not match are not used. Where the release prints net revenue, net interest income and noninterest income, the two parts must add up to the total. The text is generated from those verified figures by a fixed template; no model wrote it.
Chart
Sources
- [1]SEC EDGAR — First National results for the quarter ended September 30, 2026 (Exhibit 99.1, earnings release), filed Oct 23, 2026
- [2]SEC EDGAR — First National XBRL financial data (company facts)
These are the sources this piece was drafted from. How we verify. Found an error? Tell us and we correct it in public.
$25.3M
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