National Bankshares Q3 net income $5.49M, EPS $0.86 vs $0.69; NIM up 49 bps YoY

NATIONAL BANKSHARES INC

Q3 net income $5.49M or $0.86 diluted EPS vs $4.42M or $0.69 in Q3 2025; nine-month net income $15.50M or $2.43 vs $9.95M or $1.56.
Net interest margin improved 21 bps Q3 vs Q2, 49 bps YoY, and 51 bps YTD on higher asset yields and lower deposit costs.
Q2 2026 gain $6.57M on sale of Bearing Insurance Group membership; securities repositioning sold $131.87M at 1.80% yield, bought $127.33M MBS at 5.26%, $6.55M pretax loss.
Total assets $1.78B; deposits fell QoQ on municipal cyclicality; municipal deposits 19% of total, ~21% of non-municipal deposits uninsured.
Paid semiannual dividend of $0.75/share on June 1, 2026; CEO cites YTD earnings up over 55% (33% adjusted for nonrecurring items) and Q3 vs Q2 up over 9%.

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