Risk factors

National Bankshares (NKSH) risk factors

Item 1A of every National Bankshares Inc. 10-K on file, and what changed from one year to the next.

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  • FY2025 10-K risk factors

    30 risks, 2 reworded since the prior year. Climate risk language shifted to focus on unpredictable weather disasters impacting the value of real property securing the loan portfolio. Accounting standards risk text remained substantively unchanged.

    Filed Mar 27, 2026
  • FY2024 10-K risk factors

    30 risks. National Bankshares focuses its lending heavily on small businesses and commercial real estate in markets tied to local universities like Virginia Tech. High exposure to commercial real estate and interest rate fluctuations drive primary credit and liquidity risks.

    Filed Mar 28, 2025