---
schema_version: "secwatch.filing_event.v1"
accession: "0000950170-24-117080"
form_type: "8-K"
ticker: "NKSH"
cik: "0000796534"
company_name: "NATIONAL BANKSHARES INC"
filed_at: "2024-10-24T23:59:59+00:00"
generated_at: "2026-05-30T10:46:28.508932+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# National Bankshares Q3 net income down 13% YoY; nine-month earnings drop 61% amid merger costs

## Summary
- Nine-month 2024 net income $4.54M ($0.75/share) vs $11.51M ($1.95/share) for same 2023 period.
- Q3 2024 net income $2.68M ($0.42/share) vs $3.07M ($0.52/share) in Q3 2023.
- Merger-related expenses of $2.89M and $1.29M provision for credit loss on acquired FCB loans recorded YTD.
- Acquired Frontier Community Bank on June 1, 2024 for $16.35M in stock/cash; total assets now $1.79B.

## SEC filing metadata
- accession: 0000950170-24-117080
- form_type: 8-K
- ticker: NKSH
- cik: 0000796534
- company_name: NATIONAL BANKSHARES INC
- filed_at: 2024-10-24T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/796534/000095017024117080/0000950170-24-117080-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/796534/000095017024117080/nksh-20241024.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-24-117080
- JSON: https://secwatch.observer/filing/0000950170-24-117080.json
- Plain text: https://secwatch.observer/filing/0000950170-24-117080.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.