National Bankshares Inc. is a Virginia-based bank holding company whose main operating subsidiary, National Bank of Blacksburg, serves communities through a network of branch offices and a loan production office. The company earns most of its revenue from traditional community banking activities, with a smaller contribution from investment, insurance, and trust-related services through its wealth and insurance subsidiaries.
193,6 %
+9,8 %
| % | |
|---|---|
| Net interest income | 75% Interest earned on loans, securities, and other earning assets minus interest paid on deposits and borrowings. |
| Deposit and service fees | 10% Fees from deposit accounts, account services, and related transaction activity. |
| Wealth and trust services | 6% Trust income and asset-based advisory services provided through the bank's wealth platform. |
| Insurance and investment services | 4% Revenue from insurance sales, investment services, and related miscellaneous financial services. |
| Card and other noninterest income | 5% Credit/debit card fees, BOLI income, and other ancillary banking income. |
The company serves retail depositors, small and mid-sized businesses, and municipalities within its local market area...
Individuals and households buy deposit accounts and consumer loans for everyday banking and borrowing needs.
Local businesses use commercial loans, lines of credit, and cash management services to fund operations and growth.
Municipalities place deposits with the bank, supported by pledged collateral and state-regulated protections.
Customers buy trust administration and asset management services for estate, investment, and fiduciary needs.
Customers use the bank's insurance and investment affiliates for cross-sold financial products and advice.
National Bankshares is concentrated in Virginia and nearby local markets, with 28 office locations and one loan...
Management is focused on preserving liquidity, keeping the loan-to-deposit ratio within target, and maintaining stable...
Community banks depend on stable deposits and must manage outflows, rate sensitivity, and unfunded commitments carefully.
The Frontier Community Bank deal adds loans, deposits, and market presence, creating room for growth if integration is executed well.
Noninterest income from trust, insurance, and service charges reduces reliance on spread income.
The main risks are deposit competition, interest-rate sensitivity, and credit deterioration in the loan book, all of...
The company explicitly monitors deposit trends, large depositor activity, and deposit promotions because funding stability is central to a bank's balance sheet.
Rate changes affect deposit pricing, loan repricing, and the fair value of securities, directly influencing net interest margin.
Management increased provision for credit losses due to loan growth and softening economic factors, showing earnings sensitivity to asset quality.
Municipal deposits represent a meaningful share of deposits and require pledged collateral, creating funding and concentration considerations.
The Frontier Community Bank acquisition and system conversion create operational and cost risks before expected synergies are fully realized.
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: 28/04/2026