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Dec 31, 2025
National Bankshares Q4 2025 Earnings Report
National Bankshares reported a strong fourth quarter with solid growth in net income and improved efficiency.
Key Takeaways
National Bankshares, Inc. posted a significant increase in net income and earnings per share in Q4 2025, driven by higher loan yields and lower deposit costs. The bank improved its net interest margin and delivered $15.27 million in revenue for the quarter.
Net income for Q4 2025 rose to $5.88 million, up from $3.08 million in Q4 2024.
EPS increased to $0.92 per share compared to $0.48 in the prior year quarter.
Net interest margin improved to 2.93% in Q4 2025 from 2.33% in Q4 2024.
The efficiency ratio improved significantly to 55.77% in Q4 2025.
Forward Guidance
National Bankshares expressed confidence in its long-term strategy execution and highlighted its readiness to expand and innovate while maintaining financial strength.
Positive Outlook
- Core systems conversion is improving customer experience and enabling innovation.
- New branches in Roanoke and Lynchburg open growth opportunities.
- Liquidity position remains solid with access to borrowing capacity.
- Deposit base remains stable and diversified.
- Low loan-to-deposit ratio supports future lending capability.
Challenges Ahead
- Loan portfolio decreased slightly due to commercial real estate payoffs.
- Noninterest expense rose due to increased salaries and operating costs.
- Market competition could impact future deposit and loan pricing.
- Uninsured deposits represent nearly 20% of non-municipal deposits.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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