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First National Bank (VA)

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Based on 1 review

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Overview / Commentary

www.1stnatbk.com

434-369-3000

622 Broad Street
Altavista, VA 24517

First National Bank (VA) is headquartered in Altavista and is the 40^th largest bank in the state of Virginia. It is also the 1,505^th largest bank in the nation. It was established in 1908 and as of September of 2019, it had grown to 116 employees at 11 locations. First National Bank (VA)'s CD rates are 46% higher than the national average, and it has an A health rating.

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Reviews (1)

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WORST BANK EVER

Posted by: Miller Warren | Sep 18, 2017

worst bank ever especially if you own a business. they will try to sell you on what they say is better treatment because they're a small bank, but in reality you're better off dealing with the big banks. my brother and i had a business that we were selling and the sale could not go through by first national's self imposed closing date. they responded by extorting $25000 from us to keep the lines of credit open another month until we could close on the sale. don't even think about using them. you'll be sorry if you do.

Comment

1

Health

A

Data as of Q3 2019

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	6811
Year Established	1908
Employees	116
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	1.06%
Return on Equity - YTD	11.69%
Annual Interest Income	$15.2MM

Assets and Liabilities
Assets	Q3 2019vs Q3 2018	$480.5MM$471.3MM
Loans	Q3 2019vs Q3 2018	$387.9MM$369.1MM
Deposits	Q3 2019vs Q3 2018	$431.4MM$428.7MM
Equity Capital	Q3 2019vs Q3 2018	$45.2MM$39.5MM
Loan Loss Allowance	Q3 2019vs Q3 2018	$3.5MM$3.3MM
Unbacked Noncurrent Loans	Q3 2019vs Q3 2018	$1.1MM$980.00K
Real Estate Owned	Q3 2019vs Q3 2018	$645.00K$350.00K

Rates

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Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First National Bank (VA) Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.15%	$100	-	Statement Savings Account
0.15%	$250	-	Business Savings

First National Bank (VA) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.30%^*	$1.5m^*	-	Business Money Market Account
OTHER TIERS: 0.40% → $2.5k - $50k \| 0.60% → $50k - $250k \| 0.75% → $250k - $500k \| 1.00% → $500k - $1.5m
0.50%^*	$100k^*	-	Personal Money Market Checking Account
OTHER TIERS: 0.15% → $2.5k - $10k \| 0.20% → $10k - $25k \| 0.25% → $25k - $50k \| 0.45% → $50k - $100k
0.50%^*	$100k^*	-	IRA Money Market Account
OTHER TIERS: 0.15% → $100 - $10k \| 0.20% → $10k - $25k \| 0.25% → $25k - $50k \| 0.45% → $50k - $100k
0.45%^*	$50k^*	-	First Index
OTHER TIERS: 0.15% → $1k - $10k \| 0.20% → $10k - $25k \| 0.25% → $25k - $50k

First National Bank (VA) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.70%^*	-	$30k	Ka-Ching! Checking
OTHER TIERS: 0.10% → $30k+
0.10%	$500	-	Interest Checking
0.10%	$1k	-	1st Choice Club Checking
0.09%	$100	-	Business Interest Checking

First National Bank (VA) CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.81%	$500	-	5 Year CD
1.76%	$500	-	4 Year CD
1.71%	$500	-	37 Month CD
1.61%	$500	-	2 1/2 Year CD
1.56%	$500	-	2 Year CD
1.51%	$500	-	18 Month 1st Choice Club CD
1.46%	$500	-	18 Month CD
1.36%	$500	-	15 Month CD
1.31%	$500	-	1 Year CD
1.10%	$500	-	1 Year No Penalty CD
0.60%	$2.5k	-	182 Day CD
0.30%	$2.5k	-	91 Day CD

First National Bank (VA) IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.81%	$100	-	5 Year Fixed IRA
1.81%	$100	-	5 Year Fixed Roth IRA
1.76%	$100	-	4 Year Fixed IRA
1.71%	$100	-	3 Year Fixed IRA
1.56%	$100	-	2 Year Fixed IRA
1.46%	$100	-	18 Month Variable IRA
1.46%	$100	-	18 Month Variable Roth IRA
1.46%	$100	-	18 Month CESA IRA
1.31%	$100	-	12 Month Variable IRA
1.31%	$100	-	1 Year Fixed IRA
1.31%	$100	-	1 Year Fixed Roth IRA

Locations

Cities: Altavista, Amherst, Forest, Lynchburg, Rustburg, Timberlake

Altavista Branches
Vista Branch	1303 Main Street	Altavista, VA 24517
First National Bank	622 Broad Street	Altavista, VA 24517

Amherst Branches
Amherst Branch	130 South Main Street	Amherst, VA 24521

Forest Branches
Forest Branch	14417 Forest Road	Forest, VA 24551

Lynchburg Branches
Airport Branch	14580 Wards Road	Lynchburg, VA 24502
Timberlake Branch	20865 Timberlake Road	Lynchburg, VA 24502
Old Forest Road Branch	3309 Old Forest Road	Lynchburg, VA 24501
Downtown Lynchburg Branch	800 Main Street	Lynchburg, VA 24504

Rustburg Branches
Rustburg Branch	1033 Village Highway	Rustburg, VA 24588

Timberlake Branches
Odd Fellows Road Branch	3401 Odd Fellows Rd	Timberlake, VA 24502

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