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National Bankshares Inc
101 HUBBARD STREET
PO Box 90002
Phone: (540) 951-6300p:540 951-6300 BLACKSBURG, VA  24060  United States Ticker: NKSHNKSH
Business Summary
National Bankshares, Inc. is the holding company of The National Bank of Blacksburg, which does business as National Bank (the Bank), and of National Bankshares Financial Services, Inc. The Bank offers a full range of retail and commercial banking services to individuals, businesses, non-profits and local governments. It operates 27 full-service offices which are located across central Virginia, and two loan production offices in Roanoke and Charlottesville, Virginia. It offers telephone, mobile and Internet banking, and it operates automated teller machines in its service area. The Bank is focused on lending to small and mid-sized businesses and individuals. The Bank’s loan types include commercial and agricultural, commercial real estate, construction for commercial and residential properties, residential real estate, home equity and various consumer loan products. Its deposit products include interest-bearing and non-interest-bearing demand deposit accounts and others.

Scores and Ratings
FRISK®
Score		 Z''
Score		 PAYCE®
Score		 DBT
Index		 Moody's
Rating		 Fitch
Rating		 DBRS
Rating
Yes--Yes---

Financials, News and Filings
Latest
Statement		 Last
Audit
News		 SEC
Filings		 Bankruptcy
Filings		 Suit &
Judgment
Filings		 Tax
Lien
Filings
9/30/202412/31/2023YesYes---

Industries
SIC Code Description
6021 National commercial banks
6029 Commercial banks, not elsewhere classified
6712 Offices of bank holding companies

Officers and Directors

Title
Name
Age		 Title
Date		 Start
Date
Chairman of the Board, Chief Executive Officer F. BradDenardo 71 1/1/2025 1/1/1989
President, Director Lara E.Ramsey 55 1/1/2025 6/1/2016
Lead Independent Vice Chairman of the Board Charles E.Green 73 5/15/2019 1/1/2011
8 additional Officers and Directors records available in full report.

Subsidiaries
Business Name Address City State/Province Country
National Bank of Blacksburg 100 South Main Street Blacksburg VA United States
Frontier Community Bank 400 Lew Dewitt Blvd Waynesboro VA United States

Business Names
Business Name
Frontier Community Bank
National Bankshares Financial Services, Inc.
NB Operating, Inc.
NKSH
The National Bank of Blacksburg

General Information
Number of Employees: 222 (As of 12/31/2023)
Outstanding Shares: 6,363,371 (As of 12/31/2024)
Shareholders: 544
Stock Exchange: NASD
Federal Tax Id: 541375874
Email Address: mbuhyoff@nbbank.com


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Wednesday, January 29, 2025