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Investor Relations14 Oct 2025
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National Bankshares (NKSH) investor relations material
National Bankshares Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary24 Jul, 2025
Executive summary
Net income for Q2 2025 was $2.3M, reversing a loss of $0.3M in Q2 2024; six-month net income rose to $5.53M from $1.87M year-over-year.
The acquisition of Frontier Community Bank in June 2024 expanded the market footprint and contributed to balance sheet growth.
System conversion and core banking upgrade completed in Q2 2025 are expected to enhance efficiency and product offerings.
Leadership transition completed with a new President & CEO.
Financial highlights
Net interest income for Q2 2025 increased to $11.0M from $8.7M in Q2 2024; six-month net interest income was $21.24M, up from $16.91M year-over-year.
Total assets at June 30, 2025 were $1.81B.
Loans, net, grew to $1.00B from $977.7M at year-end 2024; deposits decreased to $1.63B from $1.64B.
Basic and diluted EPS for Q2 2025 were $0.36, compared to $(0.05) in Q2 2024; six-month EPS was $0.87, up from $0.31 year-over-year.
Book value per share increased to $26.51 at June 30, 2025, from $23.42 a year earlier.
Outlook and guidance
Management expects continued benefits from the FCB acquisition and system conversion, with a focus on efficiency, growth, and strong liquidity.
The interest rate environment is expected to remain favorable for loan repricing and margin improvement.
Forward-looking statements highlight risks from economic conditions, interest rates, regulatory changes, competition, and technological developments.
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Next National Bankshares earnings date
Q3 202523 Oct, 2025
Next National Bankshares earnings date
Q3 202523 Oct, 2025
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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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