Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2025	Sep. 30, 2024	Sep. 30, 2025	Sep. 30, 2024	Dec. 31, 2024
Cash Flows from Operating Activities
Net income	$ 4,420	$ 2,677	$ 9,945	$ 4,544
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	306	(5)	618	1,287
Depreciation of premises and equipment			789	660
Amortization of premiums and accretion of discounts on securities, net			741	778
Amortization of core deposit intangible	92	102	284	137
Accretion of fair value of acquired loans			(1,324)	(480)
Amortization of fair value of acquired time deposits and leases			115	187
Origination of mortgage loans held for sale			(11,001)	(8,708)
Proceeds from sale of mortgage loans held for sale			11,256	8,789
Gain on sale of mortgage loans held for sale	(92)	(50)	(171)	(132)
Increase in cash value of bank-owned life insurance			(893)	(822)
Gain on disposal of premises and equipment, net			(2)
Equity based compensation expense			143	93
Net change in:
Accrued interest receivable			(208)	2
Other assets			76	(4,007)
Accrued interest payable			154	523
Other liabilities			226	1,169
Net cash provided by operating activities			10,748	4,020
Cash Flows from Investing Activities
Proceeds from repayments of mortgage-backed securities			11,274	9,831
Proceeds from calls, sales and maturities of securities available for sale			31,000	11,024
Purchases of available for sale securities			(49,616)
Net change in restricted stock			(1,900)	168
Purchase of loan participations			(20,095)	(13,894)
Collection of loan participations			6,243	5,901
Loan originations and principal collections, net			(13,682)	(18,207)
Recoveries on loans charged off			142	158
Purchases of premises and equipment			(2,306)	(2,302)
Proceeds from sale of premises and equipment			2	46
Cash acquired in the acquisition, net of cash paid			0	6,885
Net cash used in investing activities			(38,938)	(390)
Cash Flows from Financing Activities
Net change in time deposits			(31,792)	18,798
Net change in other deposits			(51,185)	(49,728)
Cash dividends paid			(4,645)	(4,303)
Net change in borrowings			50,000	(5,230)
Net cash used in financing activities			(37,622)	(40,463)
Net change in cash and cash equivalents			(65,812)	(36,833)
Cash and cash equivalents at beginning of period			108,117	86,603	$ 86,603
Cash and cash equivalents at end of period	$ 42,305	$ 49,770	42,305	49,770	108,117
Cash payments for:
Interest on deposits and borrowings			22,546	24,754
Income taxes			1,169	715
Supplemental Disclosure of Noncash Activities
Loans charged against the allowance for credit losses			406	411	$ 519
Unrealized holding gain on securities available for sale			21,984	15,984
Lease liabilities arising from obtaining right-of-use assets during the period			$ 440	$ 548

NATIONAL BANKSHARES INC 10-Q