Financial insights of FXNC

MyFinsight

For the quarter ending 2025-09-30, FXNC made $52,184K in revenue. $5,550K in net income. Net profit margin of 10.64%.

Income Overview

Revenue
$52,184K
Net Income
$5,550K
Net Profit Margin
10.64%
EPS
$0.62
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Salaries and employee benefits
Interest on deposits
Others

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Income Statement	2025-09-30	2025-06-30	2025-03-31	2024-09-30
Interest and fees on loans	21,430	21,594	20,639	14,479
Interest on deposits in banks	1,733	1,891	1,671	1,538
Interest on federal funds sold	1	0	39	-
Taxable interest	1,562	1,313	1,314	1,091
Tax-exempt interest	296	298	300	303
Dividends	65	69	59	33
Total interest and dividend income	25,087	25,165	24,022	17,444
Interest on deposits	6,246	6,080	6,038	4,958
Interest on subordinated debt	479	468	467	69
Interest on junior subordinated debt	67	66	66	68
Interest on other borrowings	0	3	-	600
Total interest expense	6,792	6,617	6,571	5,695
Net interest income	18,295	18,548	17,451	11,749
Provision for credit losses	193	911	832	1,700
Net interest income after provision for credit losses	18,102	17,637	-	10,049
Noninterest income-Deposit Account	985	-	-	-
Noninterest income-Credit And Debit Card	1,336	-	-	-
Noninterest income-Asset Management1	910	-	-	-
Noninterest income-Financial Service Other	407	-	-	-
Noninterest income-Mortgage Banking	166	-	-	-
Income from bank owned life insurance	284	-	246	191
Net gains on redemption of subordinated debt	0	-	-	-
Net gains on sale of mortgage loans held for sale	5	-	-	-
Noninterest income	-	-	3,275	2,929
Preliminary bargain purchase gain	304	-	-	-
Net gains on securities available for sale	-	-	-	39
Other operating income	103	-	90	44
Total noninterest income	4,500	3,889	3,611	3,203
Salaries and employee benefits	8,487	8,033	8,689	5,927
Occupancy	1,025	944	1,069	585
Amortization expense	-	-	442	4
Us-gaap_profitlossfromrealestateoperations	-	-	-	-10
Equipment	1,056	1,057	1,024	726
Marketing	324	286	220	262
Supplies	158	198	217	123
Legal and professional fees	660	594	522	596
Miscellaneous losses	-	-	316	-
Atm and check card expense	569	537	438	394
Internet banking expense	-	55	351	-
Fdic assessment	305	315	414	195
Bank franchise tax	350	348	317	262
Data processing expense	495	504	762	290
Core deposit intangible amortization expense	442	441	-	-
Other real estate owned, net	0	0	-	-
Net (gains) losses on disposal of premises and equipment	23	-7	1	-2
Merger expense	0	92	1,940	-
Other operating expense	1,934	1,780	1,615	1,083
Total noninterest expense	15,782	15,191	18,335	10,459
Income before income taxes	6,820	6,335	1,895	2,793
Income tax expense	1,270	1,284	297	545
Net income	5,550	5,051	1,598	2,248

Basic (in dollars per share)	0.62	0.56	0.18	0.36
Diluted (in dollars per share)	0.62	0.56	0.18	0.36
Us-gaap_weightedaveragenumberofdilutedsharesoutstanding	9,023,185	9,001,972	9,005,923	6,303,282
Weighted average shares outstanding basic (in shares)	8,999,153	8,987,179	8,979,527	6,287,997

MyFinsight

Income Overview

Revenue
$52,184K
Net Income
$5,550K
Net Profit Margin
10.64%
EPS
$0.62
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Salaries and employee benefits
Interest on deposits
Others

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Revenue
$52,184K
Net Income
$5,550K
Net Profit Margin
10.64%
EPS
$0.62
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Salaries and employee benefits
Interest on deposits
Others

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Revenue$52,184KNet Income$5,550KNet Profit Margin10.64%EPS$0.62Unit: Thousand (K) dollarsRevenue BreakdownInterest and fees on loansSalaries and employee benefitsInterest on depositsOthers

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Revenue$52,184KNet Income$5,550KNet Profit Margin10.64%EPS$0.62Unit: Thousand (K) dollarsRevenue BreakdownInterest and fees on loansSalaries and employee benefitsInterest on depositsOthers

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Revenue
$52,184K
Net Income
$5,550K
Net Profit Margin
10.64%
EPS
$0.62
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Salaries and employee benefits
Interest on deposits
Others

Revenue
$52,184K
Net Income
$5,550K
Net Profit Margin
10.64%
EPS
$0.62
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Salaries and employee benefits
Interest on deposits
Others