---
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"
generated_at: "2026-05-17T02:38:01.810899+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# National Bankshares Q3 net income rises to $4.42M, EPS $0.69 vs $2.68M, $0.42 prior year

## Summary
- 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.

## SEC filing metadata
- 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
- 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/796534/000119312525248818/0001193125-25-248818-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/796534/000119312525248818/nksh-20251023.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-25-248818
- JSON: https://secwatch.observer/filing/0001193125-25-248818.json
- Plain text: https://secwatch.observer/filing/0001193125-25-248818.txt

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