National Bankshares Q2 net income rose to $5.03 million from $2.29 million a year earlier
National Bankshares posted second-quarter 2026 net income of $5.03 million, or $0.79 diluted earnings per share, up from $2.29 million, or $0.36, in the second quarter of 2025, according to an investor presentation furnished under Item 7.01. Year-to-date net income was $10.01 million, up 81.2%, and the company said lower deposit costs, improved loan and securities yields, and lower operating expense drove the gains.
Key points
- Q2 2026 net income $5.03 million vs. $2.29 million in Q2 2025; diluted EPS $0.79 vs. $0.36
- Net interest margin 3.00% in Q2 2026 vs. 2.56% in Q2 2025; efficiency ratio 58.40% vs. 63.83%
- Year-to-date diluted EPS $1.57 vs. $0.87 a year earlier
- Q2 2026 securities repositioning: $127.33 million of mortgage-backed securities purchased; the company projects +$4.25 million in expected annual interest income
The filing
Written by AI on Nov 9, 2026, 8:51 AM ET, from this filing only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on November 03, 2026.
Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.