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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.
National Bankshares (NKSH) announced a semi-annual cash dividend of $0.78 per share. The dividend is payable on December 1, 2025 to stockholders of record as of November 24, 2025. The company disclosed the dividend under an Other Events item and attached the related press release as an exhibit.
National Bankshares (NKSH) reported stronger Q3 2025 results. Net income rose to $4.4 million from $2.7 million a year ago, and diluted EPS increased to $0.69 from $0.42. Net interest income improved to $11.7 million from $9.4 million as interest expense declined to $7.3 million from $9.2 million, offsetting stable interest income. Noninterest income grew to $2.5 million, while total noninterest expense held at $8.5 million. The company recorded a $0.3 million provision for credit losses versus a small recovery last year.
On the balance sheet, loans expanded to $1.02 billion and securities available for sale reached $630.5 million. Deposits decreased to $1.56 billion, and borrowings stood at $50.0 million. Stockholders’ equity increased to $179.2 million, aided by a narrower accumulated other comprehensive loss of $44.4 million. Credit metrics were steady: nonaccrual loans were $2.0 million and accruing 90+ day past dues were $0.3 million; the allowance for credit losses was $10.6 million. Cash and cash equivalents were $42.3 million. For the nine months, net income was $9.9 million and dividends declared were $0.73 per share.
National Bankshares, Inc. filed a current report to note that it released a press statement with its financial results for the period ended September 30, 2025. The company furnished this earnings press release as Exhibit 99.1 to the report, making the full quarterly results available through that exhibit.
National Bankshares, Inc. (NKSH) reported improved profitability in the quarter and year-to-date periods while showing mixed funding and investment portfolio dynamics. For the three months ended June 30, 2025, the Company earned $2.289 million versus a loss of $0.307 million a year earlier, delivering basic and diluted EPS of $0.36. Net interest income rose to $10.991 million from $8.677 million, driven by higher interest and fees on loans. Loans totaled $1.011 billion, up from $988.6 million, and the allowance for credit losses was $10.422 million.
The securities available-for-sale portfolio had a fair value of $590.021 million with aggregate unrealized losses, but other comprehensive income improved materially, adding $11.353 million year-to-date. Total deposits were $1.627675 billion and cash and cash equivalents ended at $92.849 million. The Company paid regular dividends of $0.73 per share and is carrying goodwill of $10.718 million from its 2024 Frontier Community Bank acquisition, which expanded its market footprint into Waynesboro, Staunton and Lynchburg, Virginia.