National Bankshares Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	59.25	108.12	86.6	71.43	138.79
Investment Securities	654.38	463.6	468.45	495.38	479.91
Mortgage-Backed Securities	-	138.3	150.15	161.48	206.17
Total Investments	654.38	601.9	618.6	656.85	686.08
Gross Loans	999.93	988.61	857.18	853.19	803.73
Allowance for Loan Losses	-9.89	-10.26	-9.09	-8.23	-7.67
Other Adjustments to Gross Loans	-0.62	-0.66	-0.53	-0.45	-0.48
Net Loans	989.42	977.69	847.55	844.52	795.57
Property, Plant & Equipment	20.32	18.18	12.21	11.79	11.25
Goodwill	10.72	10.72	5.85	5.85	5.85
Other Intangible Assets	1.49	1.86	-	-	-
Loans Held for Sale	-	0.62	0.41	-	0.62
Accrued Interest Receivable	6.54	6.47	6.31	6	5.1
Long-Term Deferred Tax Assets	-	16.38	16.32	21.56	0.26
Other Real Estate Owned & Foreclosed	-	-	-	0.66	0.96
Other Long-Term Assets	82.4	69.7	61.52	58.9	57.69
Total Assets	1,825	1,812	1,655	1,678	1,702
Interest Bearing Deposits	1,314	1,267	1,157	1,196	1,163
Institutional Deposits	-	87.64	65.78	18.61	14.6
Non-Interest Bearing Deposits	313.02	290.09	281.22	327.71	317.43
Total Deposits	1,627	1,645	1,504	1,543	1,495
Current Portion of Leases	-	0.37	-	-	-
Accrued Interest Payable	1.58	1.46	1.42	0.11	0.05
Long-Term Leases	-	1.16	1.13	1.44	1.56
Other Long-Term Liabilities	11.08	7.49	8.33	10.59	14.23
Total Liabilities	1,640	1,655	1,515	1,555	1,510
Common Stock	22.02	21.83	7.4	7.36	7.58
Retained Earnings	202.56	196.34	197.98	199.09	188.23
Comprehensive Income & Other	-39.67	-61.77	-64.87	-83.77	-4.06
Shareholders' Equity	184.91	156.41	140.52	122.69	191.75
Total Liabilities & Equity	1,825	1,812	1,655	1,678	1,702
Total Debt	-	1.52	1.13	1.44	1.56
Net Cash (Debt)	59.25	106.59	85.48	69.99	137.23
Net Cash Growth	-44.41%	24.71%	22.13%	-49.00%	4.08%
Net Cash Per Share	9.31	17.29	14.51	11.68	22.10
Filing Date Shares Outstanding	6.36	6.36	5.89	5.89	6.02
Total Common Shares Outstanding	6.36	6.36	5.89	5.89	6.06
Book Value Per Share	29.06	24.60	23.86	20.83	31.62
Tangible Book Value	172.7	143.83	134.67	116.84	185.9
Tangible Book Value Per Share	27.14	22.62	22.87	19.84	30.66

Source: S&P Global Market Intelligence. Banks template. Financial Sources.