{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-25-008368","form_type":"8-K","ticker":"NKSH","cik":"0000796534","company_name":"NATIONAL BANKSHARES INC","filed_at":"2025-01-23T23:59:59+00:00","discovered_at":"2026-05-14T18:03:06.367587+00:00","generated_at":"2026-05-27T17:44:58.771037+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"National Bankshares FY 2024 net income $7.62M ($1.24 EPS); Q4 $3.08M ($0.48 EPS)","bullets":["Completed acquisition of Frontier Community Bank on June 1, 2024: recorded $153.39M assets, $129.72M deposits.","Net interest margin improved Q4 vs Q3 after Fed 100bp rate cuts lowered deposit costs.","Total assets $1.81B at year-end; regular dividends paid of $1.51 per share in 2024.","Noninterest expense increased due to FCB acquisition and contract termination; merger costs $2.92M.","Loan portfolio decreased from Q3 due to real estate construction loan payoffs; credit quality low risk."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-25-008368","json":"https://secwatch.observer/filing/0000950170-25-008368.json","markdown":"https://secwatch.observer/filing/0000950170-25-008368.md","text":"https://secwatch.observer/filing/0000950170-25-008368.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/796534/000095017025008368/0000950170-25-008368-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/796534/000095017025008368/nksh-20250123.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T17:44:58.771037+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}