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National Bankshares (NKSH) investor relations material
National Bankshares Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary23 Oct, 2025
Executive summary
Net income for Q3 2025 was $4.42 million, up from $2.68 million in Q3 2024; nine-month net income rose to $9.95 million from $4.54 million year-over-year.
The acquisition of Frontier Community Bank (FCB) in June 2024 expanded market presence and contributed to balance sheet growth.
Core system conversion completed in Q2 2025 is expected to enhance efficiency, product offerings, and customer experience.
Total assets as of September 30, 2025 were $1.80 billion.
Improved net interest margin was driven by higher loan yields and lower deposit costs.
Financial highlights
Net interest income for Q3 2025 was $11.7 million, up from $9.4 million in Q3 2024; for the nine months, it was $32.92 million, up from $26.34 million year-over-year.
Noninterest income for Q3 2025 was $2.5 million, up 10.9% year-over-year, with nine-month noninterest income at $7.38 million, up from $6.77 million.
Noninterest expense for Q3 2025 was $8.5 million, flat year-over-year; for the nine months, it rose to $27.74 million, reflecting higher salaries, professional services, and core system/FCB acquisition costs.
Loans, net of deferred fees and costs, increased to $1.02 billion from $988.6 million at year-end 2024.
Deposits decreased to $1.56 billion from $1.64 billion at year-end 2024.
Outlook and guidance
Management expects continued benefits from the FCB acquisition, core system conversion, and recent securities purchases, with a focus on optimizing net interest margin and operational efficiency.
The company is monitoring inflation, interest rates, and local economic conditions for potential impacts on credit quality and loan demand.
The company remains focused on expanding service, responding to community needs, and delivering shareholder value.
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Next National Bankshares earnings date
Q4 202522 Jan, 2026
Next National Bankshares earnings date
Q4 202522 Jan, 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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