National Bankshares, Inc.
National Bankshares, Inc. (Nasdaq Capital Market: NKSH) operates as a financial holding company providing comprehensive banking and financial services through its primary subsidiary, The National Bank of Blacksburg, and National Bankshares Financial Services, Inc. The company maintains its website at… From the company’s description.
Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.
What National Bankshares, Inc. does
In the company’s own words
National Bankshares, Inc. (Nasdaq Capital Market: NKSH) operates as a financial holding company providing comprehensive banking and financial services through its primary subsidiary, The National Bank of Blacksburg, and National Bankshares Financial Services, Inc. The company maintains its website at www.nationalbankshares.com.
The National Bank of Blacksburg, originally chartered in 1891 and converted to a national charter in 1922, serves as the cornerstone of the organization's operations. The bank operates 28 banking locations across southwest, western and central Virginia, including a newly opened branch in Roanoke and a loan production office in Charlottesville. The bank maintains 26 automated teller machines throughout its service area and offers comprehensive digital banking capabilities including telephone, mobile, and internet banking services.
The company's core business centers on lending activities, with interest and fees on loans representing 65 percent of total operating revenue. The bank focuses lending on small and mid-sized businesses and individuals, offering commercial and agricultural loans, commercial real estate financing, construction lending, residential mortgages, home equity products, and consumer loans. As of December 31, 2025, the bank held total assets of $1.8 billion and total deposits of $1.6 billion. Interest on investments comprises 19.5 percent of operating revenue.
The National Bank of Blacksburg serves a geographically diverse market area encompassing southwest, western and central Virginia, with economic foundations in education, manufacturing, agriculture, tourism, healthcare, and retail sectors. The region is home to major universities including Virginia Tech, Radford University, and the University of Virginia. The bank employs 254 full-time and 11 part-time employees.
National Bankshares Financial Services, Inc. provides non-deposit investment products and insurance services to the public through partnerships with Osaic, Inc. for investments and Bearing Insurance Group, LLC for insurance products. The company completed its acquisition of Frontier Community Bank on June 1, 2024, expanding its market presence and service capabilities. The bank maintains a satisfactory Community Reinvestment Act rating and operates under comprehensive federal and state regulatory oversight as a well-capitalized institution.
Company details
- Sector
- Financials
- Industry (SIC)
- Commercial Banks
- Headquarters
- BLACKSBURG, VA
- Fiscal year end
- December
- CIK
- 796534
- SIC
- 6021
Financial performance, year by year
Fiscal 2013–2025 · USDThe full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.
Who owns National Bankshares, Inc. — and what changed
Funds as of 2026Q2 · superinvestors as of 2026-06-30
Largest fund holders · National Bankshares, Inc.’s weight in each
Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.
Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.
Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.
Recent filings
All filings →Each filing opens into its own statements and disclosures here.
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