• National Bankshares posted Q1 net income of USD 4.98 million, with diluted EPS of USD 0.78.
• Net interest margin widened to 2.98% from 2.40% a year earlier, while net interest income on a fully taxable equivalent basis rose to USD 12.88 million from USD 10.46 million.
• Noninterest expense increased to USD 9.33 million from USD 8.63 million, driven by higher salaries and employee benefits.
• Provision for credit losses swung to a USD 63,000 recovery on loans from a USD 277,000 provision a year earlier, while nonaccrual loans rose to USD 344,000 from USD 188,000 at Dec. 31, 2025.
• Core system conversion completed in Q2 2025, with data processing costs down to USD 928,000 from USD 983,000; treasury management suite launched in Q1 2026 for commercial and municipal deposit customers.

Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. National Bankshares Inc. published the original content used to generate this news brief via EDGAR, the Electronic Data Gathering, Analysis, and Retrieval system operated by the U.S. Securities and Exchange Commission (Ref. ID: 0001193125-26-220869), on May 13, 2026, and is solely responsible for the information contained therein.