National Bankshares Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	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
Interest Income on Loans	57.11	55.45	47.91	38.92	34.25	34.92
Interest Income on Investments	21.14	19.86	22.12	19.91	15.86	10.06
Total Interest Income	78.25	75.31	70.04	58.83	50.11	44.99
Interest Paid on Deposits	25.75	29.37	33.72	21.25	3.08	3.1
Interest Paid on Borrowings	0.33	0.38	0	0.3	-	-
Total Interest Expense	26.09	29.75	33.72	21.55	3.08	3.1
Net Interest Income	52.17	45.56	36.31	37.28	47.03	41.89
Net Interest Income Growth	21.39%	25.47%	-2.61%	-20.72%	12.26%	9.74%
Trust Income	2.55	2.47	2.18	1.9	1.82	1.79
Gain (Loss) on Sale of Investments	0.02	-	-	-0.36	3.82	0.01
Other Non-Interest Income	3.04	2.82	2.53	3.52	2.26	2.35
Total Non-Interest Income	10.53	10	9.05	9.36	12.4	8.43
Non-Interest Income Growth	10.03%	10.57%	-3.34%	-24.53%	47.17%	6.07%
Revenues Before Loan Losses	62.69	55.56	45.36	46.64	59.43	50.32
Provision for Loan Losses	-0.07	-0.02	1.23	-1.26	0.71	-0.4
Revenue	62.76	55.58	44.13	47.9	58.72	50.71
Revenue Growth	20.73%	25.94%	-7.88%	-18.42%	15.79%	14.93%
Salaries and Employee Benefits	22.25	20.32	18.75	16.98	16.12	15.39
Occupancy Expenses	2.96	2.63	2.21	1.62	1.6	1.47
Federal Deposit Insurance	0.83	0.83	0.81	0.75	0.48	0.42
Amortization of Goodwill & Intangibles	0.34	0.37	0.24	-	-	-
Selling, General & Administrative	6.14	5.86	5.48	6.01	4.92	3.77
Other Non-Interest Expense	4.1	6.41	4.6	3.84	3.52	4.98
Total Non-Interest Expense	36.62	36.41	32.09	29.23	26.96	26.08
EBT Excluding Unusual Items	26.14	19.17	12.04	18.68	31.76	24.63
Pretax Income	26.14	19.17	9.12	18.68	31.76	24.63
Income Tax Expense	4.76	3.34	1.5	2.98	5.83	4.25
Net Income	21.38	15.83	7.62	15.69	25.93	20.38
Net Income to Common	21.38	15.83	7.62	15.69	25.93	20.38
Net Income Growth	64.15%	107.61%	-51.42%	-39.49%	27.23%	26.78%
Basic Shares Outstanding	6	6	6	6	6	6
Diluted Shares Outstanding	6	6	6	6	6	6
Shares Change	0.04%	3.23%	4.65%	-1.66%	-3.55%	-4.22%
EPS (Basic)	3.36	2.49	1.24	2.66	4.33	3.28
EPS (Diluted)	3.36	2.49	1.24	2.66	4.33	3.28
EPS Growth	64.51%	101.13%	-53.49%	-38.56%	31.91%	32.36%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	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
Dividend Per Share	1.530	1.510	1.510	1.510	1.500	1.440
Dividend Growth	1.32%	0%	0%	0.67%	4.17%	3.60%
Effective Tax Rate	18.20%	17.43%	16.43%	15.98%	18.36%	17.26%

SEC Filings: 10-K · 10-Q