{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-25-248818","form_type":"8-K","ticker":"NKSH","cik":"0000796534","company_name":"NATIONAL BANKSHARES INC","filed_at":"2025-10-23T23:59:59+00:00","discovered_at":"2026-05-14T18:02:42.191944+00:00","generated_at":"2026-05-17T02:38:01.810899+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"National Bankshares Q3 net income rises to $4.42M, EPS $0.69 vs $2.68M, $0.42 prior year","bullets":["Nine-month 2025 net income $9.95M ($1.56 diluted EPS) vs $4.54M ($0.75) in 2024; improvement driven by higher loan yields and lower deposit costs.","Acquired Frontier Community Bank on June 1, 2024; added $118.7M loans, $129.7M deposits; periods prior not restated.","Purchased $49.86M in securities during Q3 funded with borrowings; expects to benefit fully after borrowings repaid by end of 2026.","Paid semiannual dividend of $0.73 on June 1, 2025; Bank remains well capitalized with ratios above minimums.","CEO highlights core system upgrade, expanded branch network, and Roanoke/Lynchburg office developments."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-25-248818","json":"https://secwatch.observer/filing/0001193125-25-248818.json","markdown":"https://secwatch.observer/filing/0001193125-25-248818.md","text":"https://secwatch.observer/filing/0001193125-25-248818.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/796534/000119312525248818/0001193125-25-248818-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/796534/000119312525248818/nksh-20251023.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T02:38:01.810899+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"}