National Bankshares shares updated 2025 investor presentation deck

Rhea-AI Filing Summary

National Bankshares, Inc. reported that on November 17, 2025 it released an updated investor presentation for use by management in meetings with investors, analysts and other interested parties. The presentation, aimed at helping audiences better understand the company, is furnished to the SEC as Exhibit 99.1 to this report under a Regulation FD disclosure. The information in the investor presentation and related exhibits is furnished, not filed, which means it is provided for information purposes without being incorporated into the company’s formal financial reporting.

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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): November 17, 2025

National Bankshares Inc.

(Exact name of Registrant as Specified in Its Charter)

Virginia			0-15204	54-1375874
(State or Other Jurisdiction of Incorporation)			(Commission File Number)	(IRS Employer Identification No.)
101 Hubbard Street
Blacksburg, Virginia				24060
(Address of Principal Executive Offices)				(Zip Code)

Registrant’s Telephone Number, Including Area Code: 540 951-6300

(Former Name or Former Address, if Changed Since Last Report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class		Trading Symbol(s)		Name of each exchange on which registered
Common Stock, par value $1.25 per share		NKSH		The Nasdaq Stock Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 7.01 Regulation FD Disclosure.

On November 17, 2025, National Bankshares, Inc. (the “Company”) issued an investor presentation, which contains information that the members of the Company’s management will use during visits with investors, analysts and other interested parties to assist their understanding of the Company. The investor presentation is being furnished as Exhibit 99.1 to this report and incorporated by reference into this Item 7.01. The information in Items 7.01 and 9.01, including Exhibit 99.1, is furnished to, and not filed with, the Securities and Exchange Commission.

Item 9.01 Financial Statements and Exhibits.

(d) Exhibits.

Exhibit No. Description of Exhibit

99.1 National Bankshares, Inc. Investor Presentation

104 Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

			National Bankshares, Inc.
Date:	11/17/2025	By:	/s/ Lara E. Ramsey
			Lara E. Ramsey, President & CEO

FAQ

What did National Bankshares (NKSH) announce in this 8-K filing?

National Bankshares, Inc. disclosed that on November 17, 2025 it issued an investor presentation for use by its management in meetings with investors, analysts and other interested parties. The presentation is furnished as Exhibit 99.1 to the report.

What is the purpose of the new National Bankshares (NKSH) investor presentation?

The investor presentation is intended to provide information that members of National Bankshares’ management will use to assist investors, analysts and other interested parties in understanding National Bankshares, Inc. and its business.

Is the National Bankshares (NKSH) investor presentation filed or furnished to the SEC?

The information in the investor presentation and related items is furnished to, and not filed with, the Securities and Exchange Commission under Regulation FD, as stated in the disclosure.

Where can investors find the new National Bankshares (NKSH) investor materials?

The investor presentation is attached to the report as Exhibit 99.1. It is part of the materials furnished to the SEC and can be accessed alongside the company’s current report.

Does this National Bankshares (NKSH) 8-K include new financial statements?

The report lists the investor presentation as Exhibit 99.1 and identifies the applicable disclosure as a Regulation FD item. It does not add separate financial statements beyond the referenced exhibit.

Who signed the National Bankshares (NKSH) investor presentation 8-K?

The report was signed on behalf of National Bankshares, Inc. by Lara E. Ramsey, who is identified as the company’s President and CEO.