---
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"
generated_at: "2026-05-27T17:44:58.771037+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# National Bankshares FY 2024 net income $7.62M ($1.24 EPS); Q4 $3.08M ($0.48 EPS)

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-25-008368
- JSON: https://secwatch.observer/filing/0000950170-25-008368.json
- Plain text: https://secwatch.observer/filing/0000950170-25-008368.txt

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