Bank · FDIC insured
First National Bank
A $1.1B bank headquartered in Altavista, VA, with 19 branches in Virginia. Best rates: CDs 4.06% and savings 1.24% APY.
First National Bank Carrot Score
83
Carrot Score
Higher than 63% of U.S. banks and credit unions
#5 of 17 in Lynchburg, VA metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First National Bank
- Headquarters
- 622 Broad St, Altavista, VA 24517
- FDIC certificate
- 6811 ↗
Branches
19 branches in Virginia
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Virginia
19 branches
Lynchburg area · 11
- First National BankMain office622 Broad St, Altavista, VA 24517Directions
- Vista Branch1303 Main St, Altavista, VA 24517Directions
- Amherst Branch130 S Main St, Amherst, VA 24521Directions
- Forest Branch14417 Forest Rd, Forest, VA 24551Directions
- Graves Mill Branch18077 Forest Rd, Forest, VA 24551Directions
- Airport Branch14580 Wards Rd, Lynchburg, VA 24502Directions
- Downtown Lynchburg Branch800 Main St, Lynchburg, VA 24504Directions
- Old Forest Road Branch3309 Old Forest Rd, Lynchburg, VA 24501Directions
- Timberlake Branch20865 Timberlake Rd, Lynchburg, VA 24502Directions
- Rustburg Branch1033 Village Hwy, Rustburg, VA 24588Directions
- Odd Fellows Road Branch3401 Odd Fellows Rd, Timberlake, VA 24501Directions
Danville area · 6
- Chatham Branch55 N Main St, Chatham, VA 24531Directions
- 58 East At Airport Branch1312 S Boston Rd, Danville, VA 24540Directions
- Brosville Office Branch10370 Martinsville Hwy, Danville, VA 24541Directions
- Danville Main Branch336 Main St, Danville, VA 24541Directions
- Kings Fairground Plaza Branch2600 Riverside Dr, Danville, VA 24540Directions
- Mount Hermon Branch4080 Franklin Tpke, Danville, VA 24540Directions
Charlottesville area · 1
- Charlottesville Ivy Road Branch2208 Ivy Rd, Charlottesville, VA 22903Directions
South Boston area · 1
- Halifax Road Branch4027 Halifax Road, South Boston, VA 24592Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 8.84% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.19% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.75% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $72 | $88 | — |
- CapitalLeverage ratio8.84%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.19%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.75%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$72Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of First National Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.