{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-25-098367","form_type":"8-K","ticker":"NKSH","cik":"0000796534","company_name":"NATIONAL BANKSHARES INC","filed_at":"2025-07-24T23:59:59+00:00","discovered_at":"2026-05-14T18:02:46.397036+00:00","generated_at":"2026-05-18T02:54:06.615772+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"National Bankshares H1 2025 net income $5.53M ($0.87/share) vs $1.87M year ago","bullets":["Net income for H1 2025 was $5.53M ($0.87 diluted EPS), up from $1.87M ($0.31) in H1 2024.","Total assets $1.81B; net interest margin improved on lower deposit costs and higher loan yields.","Noninterest income rose due to higher service charges, BOLI income, and trust income from FCB acquisition.","Core banking system upgrade completed in Q2 2025; conversion expenses recognized.","Loans grew QoQ; credit metrics remain low risk with minimal charge-offs and past dues."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-25-098367","json":"https://secwatch.observer/filing/0000950170-25-098367.json","markdown":"https://secwatch.observer/filing/0000950170-25-098367.md","text":"https://secwatch.observer/filing/0000950170-25-098367.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/796534/000095017025098367/0000950170-25-098367-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/796534/000095017025098367/nksh-20250724.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T02:54:06.615772+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"}