---
schema_version: "secwatch.filing_event.v1"
accession: "0000950170-25-058108"
form_type: "8-K"
ticker: "NKSH"
cik: "0000796534"
company_name: "NATIONAL BANKSHARES INC"
filed_at: "2025-04-24T23:59:59+00:00"
generated_at: "2026-05-23T07:37:23.914503+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# National Bankshares Q1 2025 net income $3.24M ($0.51 EPS), up from $2.17M ($0.37) YoY

## Summary
- Net income $3.24M, diluted EPS $0.51 vs $2.17M and $0.37 in Q1 2024.
- Total assets $1.84B; net interest margin improved sequentially on lower deposit costs.
- Opened new Roanoke, VA branch; core systems upgrade expected in Q2 2025.
- Higher provision for loan losses due to loan growth and softening economic indicators.
- FCB acquisition (June 2024) added $118.7M loans and $129.7M deposits; integration ongoing.

## SEC filing metadata
- accession: 0000950170-25-058108
- form_type: 8-K
- ticker: NKSH
- cik: 0000796534
- company_name: NATIONAL BANKSHARES INC
- filed_at: 2025-04-24T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- 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/796534/000095017025058108/0000950170-25-058108-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/796534/000095017025058108/nksh-20250424.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-25-058108
- JSON: https://secwatch.observer/filing/0000950170-25-058108.json
- Plain text: https://secwatch.observer/filing/0000950170-25-058108.txt

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