---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-26-173958"
form_type: "8-K"
ticker: "NKSH"
cik: "0000796534"
company_name: "NATIONAL BANKSHARES INC"
filed_at: "2026-04-23T23:59:59+00:00"
generated_at: "2026-05-15T04:43:57.023865+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# National Bankshares Q1 net income $5.0M ($0.78 EPS), up 56% from $3.2M YoY

## Summary
- Net income $5.0M vs. $3.2M in Q1 2025; diluted EPS $0.78 vs. $0.51.
- Total assets $1.83B; net interest margin improved on lower deposit costs.
- Deposits up from Dec 2025 but down from Mar 2025; no brokered deposits.
- Loans decreased slightly; credit quality strong with loan loss recovery.
- Securities purchased $20M in Q1; unrealized loss worsened from Dec 2025.

## SEC filing metadata
- accession: 0001193125-26-173958
- form_type: 8-K
- ticker: NKSH
- cik: 0000796534
- company_name: NATIONAL BANKSHARES INC
- filed_at: 2026-04-23T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/796534/000119312526173958/0001193125-26-173958-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/796534/000119312526173958/nksh-20260423.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-26-173958
- JSON: https://secwatch.observer/filing/0001193125-26-173958.json
- Plain text: https://secwatch.observer/filing/0001193125-26-173958.txt

## Key facts
- Earnings Releases
  NATIONAL BANKSHARES INC reported the three months ended March 31, 2026 results: net income $5.0 million, EPS $0.78 per diluted common share.
  - Period: the three months ended March 31, 2026
  - Net income: $5.0 million
  - EPS: $0.78 per diluted common share
  - Result: reported results
  source text: The Company reported net income of $5.0 million or $0.78 per diluted common share for the three months ended March 31, 2026.
  evidence_url: https://www.sec.gov/Archives/edgar/data/796534/000119312526173958/0001193125-26-173958-index.htm

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