NKSH National Bankshares, Inc.

Margins & Returns

National Bankshares, Inc. serves as the parent organization for National Bank of Blacksburg, offering a comprehensive array of retail and commercial banking services. These solutions are tailored for a diverse client base, including individuals, businesses, non-profit organizations, and local government entities. The company provides various deposit options, such as interest-bearing and non-interest bearing checking accounts, money market accounts, savings accounts, and certificates of deposit (CDs). Additionally, it facilitates health savings accounts (HSAs) and individual retirement accounts (IRAs). Its lending portfolio is equally broad, encompassing commercial and agricultural loans, financing for both commercial and residential real estate, home equity loans, and a range of consumer credit products. Construction loans for commercial and residential properties are also available. Beyond core banking, the institution extends a suite of supplementary services, including business and consumer debit and credit cards, letters of credit, night depository services, safe deposit boxes, utility bill payment, and automated fund transfers. It further offers wealth management, trust, and estate planning, alongside non-deposit investment and insurance products. Customers can conveniently access banking services through telephone, mobile, and internet platforms. With 23 branch locations, a dedicated loan production office, and 22 automated teller machines, National Bankshares, Inc. maintains a robust operational presence across Southwest Virginia. The company, established in 1891, is headquartered in Blacksburg, Virginia.