| Balance Sheets | 2025-09-30 | 2025-06-30 | ||
|---|---|---|---|---|
| Cash and due from banks | 9,192 | 9,798 | ||
| Interest-bearing deposits | 33,113 | 83,051 | ||
| Federal funds sold | 0 | 0 | ||
| Total cash and cash equivalents | 42,305 | 92,849 | ||
| Mortgage loans held for sale | 535 | 1,072 | ||
| Premises and equipment, net | 19,812 | 17,829 | ||
| Accrued interest receivable | 6,677 | 6,413 | ||
| Core deposit intangible, net | 1,579 | 1,671 | ||
| Bank-owned life insurance ('boli') | 48,262 | 47,958 | ||
| Other assets | 36,213 | 37,804 | ||
| Less deferred fees and costs | 543 | 438 | ||
| Real Estate Construction Portfolio Segment | 46,381 | - | ||
| Consumer Real Estate Portfolio Segment | 324,597 | - | ||
| Commercial Real Estate Portfolio Segment | 490,968 | - | ||
| Commercial Non Real Estate Segment | 53,532 | - | ||
| Public Sector And IDAPortfolio Segment | 54,332 | - | ||
| Consumer Non Real Estate Portfolio Segment | 47,135 | - | ||
| Total loans | 1,016,945 | 1,011,135 | ||
| Loans, net of deferred fees and costs | 1,016,402 | 1,010,697 | ||
| Less allowance for credit losses-Real Estate Construction Portfolio Segment | 425 | - | ||
| Less allowance for credit losses-Consumer Real Estate Portfolio Segment | 3,888 | - | ||
| Less allowance for credit losses-Commercial Real Estate Portfolio Segment | 4,360 | - | ||
| Less allowance for credit losses-Commercial Non Real Estate Segment | 760 | - | ||
| Less allowance for credit losses-Public Sector And IDAPortfolio Segment | 307 | - | ||
| Less allowance for credit losses-Consumer Non Real Estate Portfolio Segment | 792 | - | ||
| Less allowance for credit losses | 10,579 | 10,422 | ||
| Loans, net | 1,005,823 | 1,000,275 | ||
| Securities available for sale, at fair value | 630,483 | 590,021 | ||
| Goodwill | 10,718 | 10,718 | ||
| Total assets | 1,802,407 | 1,806,610 | ||
| Noninterest-bearing demand deposits | 312,578 | 306,427 | ||
| Interest-bearing demand deposits | 793,552 | 852,405 | ||
| Savings deposits | 140,635 | 140,285 | ||
| Time deposits | 315,139 | 328,558 | ||
| Total deposits | 1,561,904 | 1,627,675 | ||
| Borrowings | 50,000 | - | ||
| Accrued interest payable | 1,616 | 1,522 | ||
| Other liabilities | 9,667 | 8,677 | ||
| Preferred stock, no par value, 5,000,000 shares authorized none issued and outstanding | - | 0 | ||
| Total liabilities | 1,623,187 | 1,637,874 | ||
| Common stock of 1.25 par value and additional paid in capital. authorized 10,000,000 shares issued and outstanding 6,366,001 (including 5,028 unvested) shares as of september 30, 2025 and 6,363,371(including 4,961 unvested) shares as of december 31, 2024 | 21,974 | 21,925 | ||
| Retained earnings | 201,643 | 197,223 | ||
| Accumulated other comprehensive loss, net | -44,397 | -50,412 | ||
| Total stockholders' equity | 179,220 | 168,736 | ||
| Total liabilities and stockholders' equity | 1,802,407 | 1,806,610 | ||
NATIONAL BANKSHARES INC (NKSH)
NATIONAL BANKSHARES INC (NKSH)