First National | 10-Q: FY2025 Q3 Revenue: USD 29.59 M

Revenue: As of FY2025 Q3, the actual value is USD 29.59 M.

EPS: As of FY2025 Q3, the actual value is USD 0.62.

EBIT: As of FY2025 Q3, the actual value is USD -11.48 M.

Community Banking Segment

• Interest Income: $74,052 thousand for the nine months ended September 30, 2025.
• Interest Expense: $19,979 thousand for the nine months ended September 30, 2025.
• Net Interest Income: $54,073 thousand for the nine months ended September 30, 2025.
• Provision for Credit Losses: $1,936 thousand for the nine months ended September 30, 2025.
• Noninterest Income: $9,325 thousand for the nine months ended September 30, 2025.
• Noninterest Expense: $47,518 thousand for the nine months ended September 30, 2025.
• Net Income: $11,303 thousand for the nine months ended September 30, 2025.

Wealth Management Segment

• Interest Income: $221 thousand for the nine months ended September 30, 2025.
• Net Interest Income: $221 thousand for the nine months ended September 30, 2025.
• Noninterest Income: $2,675 thousand for the nine months ended September 30, 2025.
• Noninterest Expense: $1,790 thousand for the nine months ended September 30, 2025.
• Net Income: $896 thousand for the nine months ended September 30, 2025.

Future Outlook and Strategy

• Core Business Focus: The Company aims to realize anticipated benefits from the merger with Touchstone, including expected revenue synergies and cost savings.
• Non-Core Business: The Company plans to maintain adequate liquidity and improve profitability through capital redemptions, which are expected to have minimal impact on the total risk-based capital ratio.