---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-26-019510"
form_type: "8-K"
ticker: "NKSH"
cik: "0000796534"
company_name: "NATIONAL BANKSHARES INC"
filed_at: "2026-01-22T23:59:59+00:00"
generated_at: "2026-05-16T09:10:09.756512+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# National Bankshares reports 2025 net income $15.83M, EPS $2.49, more than double 2024

## Summary
- FY 2025 net income $15.83M ($2.49 diluted EPS), up 108% from $7.62M ($1.24) in 2024.
- Q4 2025 net income $5.88M ($0.92 EPS) vs $3.08M ($0.48) in Q4 2024; net interest margin improved.
- Total assets $1.82B at year-end; net interest margin benefited from higher loan yields and lower deposit costs.
- Paid semiannual dividend $0.78 on Dec 1, 2025; full-year 2025 dividend $1.51 per share.
- CEO highlighted core systems conversion and new branches in Roanoke and Lynchburg for future growth.

## SEC filing metadata
- accession: 0001193125-26-019510
- form_type: 8-K
- ticker: NKSH
- cik: 0000796534
- company_name: NATIONAL BANKSHARES INC
- filed_at: 2026-01-22T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/796534/000119312526019510/0001193125-26-019510-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/796534/000119312526019510/nksh-20260122.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-26-019510
- JSON: https://secwatch.observer/filing/0001193125-26-019510.json
- Plain text: https://secwatch.observer/filing/0001193125-26-019510.txt

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