8-K current report · filed Jul 23, 2026

NATIONAL BANKSHARES INC (NKSH) 8-K Current Report: July 23, 2026

Item 2.02Item EX-99.1NKSH overview

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NATIONAL BANKSHARES INC (NKSH) filed an 8-K current report with the SEC on July 23, 2026 reporting Item 2.02 (Results of Operations and Financial Condition), Item EX-99.1 (Exhibit EX-99.1). Item 2.02 covers National Bankshares’ fiscal-year 2026 results.

NATIONAL BANKSHARES INC 8-K event analysis

AI summary of each reported item and its exhibits

Item 2.02 · Results of Operations and Financial Condition

  • Item 2.02 covers National Bankshares’ fiscal-year 2026 results
  • Press release dated July 23, 2026 contains the substantive financial results
  • Investors should review Exhibit 99.1 for earnings, revenue, asset-quality, and capital details

Item EX-99.1 · Exhibit EX-99.1

  • Q2 net income $5.03M, or $0.79 diluted EPS, versus $2.29M and $0.36 year over year
  • Six-month net income $10.01M, or $1.57 diluted EPS, versus $5.53M and $0.87
  • Securities repositioning exchanged $131.87M of low-yield assets for mortgage-backed securities yielding 5.26%
  • Repositioning generated a $6.55M pretax loss but is expected to add $4.25M annual interest income
  • Net interest margin reached 3.00%, up from 2.56% year over year; nonperforming loans fell to 0.03% of total loans

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