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National Bankshares
National Bankshares (NKSH) investor relations material
National Bankshares Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary22 Jan, 2026
Executive summary
Net income for 2025 was $15.83 million ($2.49 per diluted share), up from $7.62 million ($1.24 per share) in 2024, driven by higher loan yields and lower deposit costs.
Fourth quarter 2025 net income was $5.88 million ($0.92 per share), compared to $3.08 million ($0.48 per share) in Q4 2024.
Total assets at year-end 2025 were $1.82 billion.
Strategic initiatives included a core systems conversion and new branch openings in Roanoke and Lynchburg.
Financial highlights
Net interest income for 2025 was $45.56 million, up from $36.31 million in 2024.
Net interest margin improved to 2.66% for 2025 from 2.19% in 2024.
Noninterest income rose to $10.00 million in 2025 from $9.05 million in 2024, driven by higher card fees, insurance, and trust income.
Noninterest expense increased to $36.41 million in 2025, reflecting core system conversion and integration of acquired operations.
Book value per share at year-end 2025 was $29.04, up from $24.58 at year-end 2024.
Outlook and guidance
Management remains committed to growth, customer value, and brand elevation in 2026 and beyond.
Liquidity position is strong, with substantial borrowing capacity and positive stress test results.
What specific factors improved Q4 net interest margin?
Explain the significant drop in nonperforming assets
How did efficiency improve despite strategic costs?
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Next National Bankshares earnings date
Q1 202623 Apr, 2026
National Bankshares
Next National Bankshares earnings date
Q1 202623 Apr, 2026
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Frequently asked questions
National Bankshares, Inc. is a financial holding company that provides a range of banking and financial services through its subsidiary, National Bank of Blacksburg. The company serves individual and business customers, offering services such as commercial and consumer loans, deposit products, and mortgage lending. It also provides various other financial services including wealth management, investment services, and online banking. National Bankshares operates primarily in Virginia, with a focus on community-oriented banking in the region. The company is headquartered in Blacksburg, Virginia, and its shares are listed on the NASDAQ.
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