Financial Statements — FXNC
Balance Sheet
(in billions USD)| Metric | Q1
2026 | Q3
2025 | Q2
2025 | Q1
2025 | Q3
2024 | Q2
2024 | Q1
2024 | Q3
2023 | Q2
2023 | Q1
2023 | Q3
2022 | Q2
2022 | Q1
2022 | Q3
2021 | Q2
2021 | Q1
2021 |
|---|
| Cash & Equivalents | 0.19 | 0.19 | 0.19 | 0.21 | 0.13 | 0.14 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Net Loans & Leases | -- | -- | -- | 1.44 | 0.98 | 0.98 | 0.96 | 0.94 | 0.92 | 0.91 | -- | -- | -- | -- | -- | -- |
| Total Assets | 2.08 | 2.03 | 2.04 | 2.03 | 1.45 | 1.46 | 1.45 | 1.37 | 1.37 | 1.37 | 1.38 | 1.41 | 1.42 | 1.36 | 1.02 | 1.03 |
| Total Deposits | 1.84 | 1.81 | 1.80 | 1.82 | 1.25 | 1.27 | 1.26 | 1.24 | 1.24 | 1.24 | 1.27 | 1.30 | 1.29 | 1.21 | 0.91 | 0.92 |
| Total Liabilities | 1.89 | 1.85 | 1.87 | 1.86 | 1.33 | 1.34 | 1.33 | 1.25 | 1.26 | 1.26 | 1.28 | 1.31 | 1.31 | 1.24 | 0.94 | 0.94 |
| Retained Earnings | 0.11 | 0.10 | 0.10 | 0.10 | 0.10 | 0.10 | 0.10 | 0.10 | 0.09 | 0.09 | 0.09 | 0.08 | 0.08 | 0.08 | 0.07 | 0.07 |
| Total Stockholder Equity | 0.19 | 0.18 | 0.17 | 0.17 | 0.13 | 0.12 | 0.12 | 0.11 | 0.11 | 0.11 | 0.10 | 0.10 | 0.11 | 0.12 | 0.09 | 0.09 |
Income Statement
(in millions USD) (except per-share rows)| Metric | Q1
2026 | Q4
2025 | Q3
2025 | Q2
2025 | Q1
2025 | Q4
2024 | Q3
2024 | Q2
2024 | Q1
2024 | Q4
2023 | Q3
2023 | Q2
2023 | Q1
2023 | Q4
2022 | Q3
2022 | Q2
2022 | Q1
2022 | Q4
2021 | Q3
2021 | Q2
2021 |
|---|
| Interest & Dividend Income | 24.33 | 25.22 | 25.09 | 25.17 | 24.02 | 25.49 | 17.44 | 17.06 | 16.33 | 15.27 | 14.63 | 14.29 | 13.53 | 13.74 | 12.79 | 11.84 | 11.02 | 10.67 | 10.33 | 8.05 |
| Interest Expense | -- | -- | -- | -- | -- | -- | -- | -- | 5.48 | 4.47 | 3.95 | 3.54 | 2.35 | 1.73 | 1.07 | 0.55 | 0.48 | 0.58 | 0.59 | 0.55 |
| Net Interest Income | 18.68 | 18.95 | 18.30 | 18.55 | 17.45 | 18.36 | 11.75 | 11.49 | 10.85 | 10.81 | 10.68 | 10.75 | 11.18 | 12.01 | 11.73 | 11.29 | 10.55 | 10.10 | 9.74 | 7.50 |
| Provision for Credit Losses | 0.45 | 0.95 | 0.19 | 0.91 | 0.83 | 4.75 | 1.70 | 0.40 | 1.00 | 5.95 | 0.10 | 0.10 | 0.00 | 1.25 | 0.20 | 0.40 | 0.00 | 0.35 | 0.00 | (1.00) |
| Non-interest Income | 3.82 | 5.02 | 4.50 | 3.89 | 3.61 | 6.44 | 3.20 | 2.69 | 4.05 | 3.07 | 3.05 | 2.88 | 2.78 | 4.10 | 3.03 | 2.78 | 2.71 | 2.96 | 2.65 | 2.44 |
| Non-interest Expense | 15.98 | 16.13 | 15.78 | 15.19 | 18.34 | 21.93 | 10.46 | 10.66 | 9.89 | 9.10 | 9.78 | 9.16 | 9.20 | 8.95 | 9.08 | 8.92 | 8.64 | 10.03 | 9.43 | 6.63 |
| Pretax Income | 6.07 | 6.89 | 6.82 | 6.34 | 1.90 | (1.88) | 2.79 | 3.12 | 4.01 | (1.17) | 3.85 | 4.37 | 4.75 | 5.91 | 5.47 | 4.75 | 4.62 | 2.68 | 2.96 | 4.30 |
| Tax Provision | 1.18 | 1.39 | 1.27 | 1.28 | 0.30 | (0.94) | 0.55 | 0.68 | 0.80 | (0.32) | 0.73 | 0.87 | 0.91 | 1.13 | 1.02 | 0.92 | 0.89 | 0.50 | 0.56 | 0.96 |
| Net Income | 4.89 | 5.50 | 5.55 | 5.05 | 1.60 | (0.93) | 2.25 | 2.44 | 3.21 | (0.85) | 3.12 | 3.51 | 3.85 | 4.78 | 4.45 | 3.84 | 3.73 | 2.18 | 2.40 | 3.34 |
| Basic EPS | 0.54 | 0.61 | 0.62 | 0.56 | 0.18 | (0.26) | 0.36 | 0.39 | 0.51 | (0.13) | 0.50 | 0.56 | 0.61 | 0.77 | 0.71 | 0.61 | 0.60 | 0.29 | 0.39 | 0.69 |
| Diluted EPS | 0.54 | 0.60 | 0.62 | 0.56 | 0.18 | (0.26) | 0.36 | 0.39 | 0.51 | (0.14) | 0.50 | 0.56 | 0.61 | 0.76 | 0.71 | 0.61 | 0.60 | 0.29 | 0.38 | 0.69 |
Cash Flow Statement
(in millions USD)| Metric | Q1
2026 | Q4
2025 | Q3
2025 | Q2
2025 | Q1
2025 | Q4
2024 | Q3
2024 | Q2
2024 | Q1
2024 | Q4
2023 | Q3
2023 | Q2
2023 | Q1
2023 | Q4
2022 | Q3
2022 | Q2
2022 | Q1
2022 | Q4
2021 | Q3
2021 | Q2
2021 |
|---|
| Operating Cash Flow | 6.40 | 8.44 | 8.44 | 4.70 | 3.53 | (36.68) | 6.14 | 3.63 | 4.70 | 5.08 | 3.45 | 3.31 | 4.55 | 9.94 | 4.56 | 3.65 | 8.62 | (4.47) | 12.92 | (5.63) |
| Capital Expenditures | 0.49 | 1.51 | 1.60 | 0.59 | 0.48 | 1.14 | 1.21 | 0.65 | 0.31 | 1.18 | 0.21 | 0.32 | 0.16 | 0.59 | 0.19 | 0.21 | 0.20 | 0.21 | 0.42 | 0.11 |
| Free Cash Flow* | 5.92 | 6.94 | 6.83 | 4.11 | 3.04 | (37.82) | 4.94 | 2.98 | 4.40 | 3.90 | 3.24 | 2.99 | 4.39 | 9.35 | 4.37 | 3.44 | 8.43 | (4.68) | 12.51 | (5.75) |
| Investing Cash Flow | (15.59) | (37.17) | 6.43 | (18.00) | 19.34 | 128.73 | (1.84) | (12.48) | 22.41 | (15.69) | (17.29) | (8.52) | 7.16 | 6.71 | (22.30) | (31.51) | (73.05) | 30.28 | (87.40) | (40.08) |
| Financing Cash Flow | 36.08 | 0.32 | (19.86) | 1.59 | 20.29 | (55.69) | (13.42) | 5.77 | 24.43 | 47.67 | (8.13) | (0.52) | (0.82) | (25.52) | (30.89) | 2.48 | 38.21 | 35.55 | 60.87 | (2.30) |
* Derived from reported values
Dividends Per Share
(USD)| Metric | Q1
2026 | Q4
2025 | Q3
2025 | Q2
2025 | Q1
2025 | Q4
2024 | Q3
2024 | Q2
2024 | Q3
2022 | Q1
2022 | Q1
2021 | Q4
2020 | Q3
2020 | Q2
2020 | Q1
2020 | Q3
2019 | Q2
2019 | Q1
2019 | Q1
2018 | Q3
2017 |
|---|
| Dividends Per Share | 0.17 | 0.17 | 0.16 | 0.16 | 0.15 | 0.16 | 0.15 | 0.15 | 0.42 | 0.48 | 0.12 | 0.11 | 0.11 | 0.11 | 0.11 | 0.05 | 0.09 | 0.09 | 0.05 | 0.04 |
