National Bankshares Inc - Asset Resilience Ratio
National Bankshares Inc (NKSH) has an Asset Resilience Ratio of 35.87% as of December 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing. Read National Bankshares Inc total liabilities for a breakdown of total debt and financial obligations.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2000–2025)
This chart shows how National Bankshares Inc's Asset Resilience Ratio has changed over time. See net assets of National Bankshares Inc for net asset value and shareholders' equity analysis.
Liquid Assets Composition Over Time
This chart breaks down National Bankshares Inc's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. For market capitalisation and broader financial context, see National Bankshares Inc (NKSH) market capitalisation.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $654.38 Million | 35.87% |
| Total Liquid Assets | $654.38 Million | 35.87% |
Asset Resilience Insights
- Very High Liquidity: National Bankshares Inc maintains exceptional liquid asset reserves at 35.87% of total assets.
- This level provides strong protection against economic uncertainties but may indicate potential for more aggressive growth investments.
- The company has significant short-term investments, indicating active treasury management.
National Bankshares Inc Industry Peers by Asset Resilience Ratio
Compare National Bankshares Inc's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Bank of Ayudhya PCL
BK:BAY |
Banks - Regional | 4.13% |
|
First Merchants Corporation Depository Shares
NASDAQ:FRMEP |
Banks - Regional | 7.40% |
|
Banco Santander (Brasil) S.A.
SA:SANB3 |
Banks - Regional | 5.81% |
|
Capitol Federal Financial Inc
NASDAQ:CFFN |
Banks - Regional | 8.49% |
|
CB Financial Services Inc
NASDAQ:CBFV |
Banks - Regional | 17.58% |
|
KB Financial Group Inc
F:KBIA |
Banks - Regional | 12.09% |
|
Absa Group Ltd
JSE:ABG |
Banks - Regional | -3.45% |
|
International Bancshares Corporation
NASDAQ:IBOC |
Banks - Regional | 29.29% |
Annual Asset Resilience Ratio for National Bankshares Inc (2000–2025)
The table below shows the annual Asset Resilience Ratio data for National Bankshares Inc.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 35.87% | $654.38 Million | $1.82 Billion | +34.01pp |
| 2024-12-31 | 1.86% | $33.68 Million | $1.81 Billion | -35.51pp |
| 2023-12-31 | 37.37% | $618.60 Million | $1.66 Billion | -1.79pp |
| 2022-12-31 | 39.16% | $656.85 Million | $1.68 Billion | -1.15pp |
| 2021-12-31 | 40.31% | $686.08 Million | $1.70 Billion | +4.33pp |
| 2020-12-31 | 35.98% | $546.74 Million | $1.52 Billion | +3.05pp |
| 2019-12-31 | 32.93% | $435.26 Million | $1.32 Billion | -0.91pp |
| 2018-12-31 | 33.84% | $425.01 Million | $1.26 Billion | +7.47pp |
| 2017-12-31 | 26.37% | $331.39 Million | $1.26 Billion | +1.71pp |
| 2016-12-31 | 24.66% | $304.28 Million | $1.23 Billion | +5.04pp |
| 2015-12-31 | 19.62% | $236.13 Million | $1.20 Billion | +0.32pp |
| 2014-12-31 | 19.30% | $222.84 Million | $1.15 Billion | +2.94pp |
| 2013-12-31 | 16.36% | $181.71 Million | $1.11 Billion | -0.98pp |
| 2012-12-31 | 17.34% | $191.50 Million | $1.10 Billion | +0.95pp |
| 2011-12-31 | 16.39% | $174.92 Million | $1.07 Billion | -1.70pp |
| 2010-12-31 | 18.09% | $184.91 Million | $1.02 Billion | +0.98pp |
| 2009-12-31 | 17.11% | $168.04 Million | $982.37 Million | +1.37pp |
| 2008-12-31 | 15.74% | $147.23 Million | $935.37 Million | -2.13pp |
| 2007-12-31 | 17.87% | $158.59 Million | $887.65 Million | +15.61pp |
| 2006-12-31 | 2.26% | $19.62 Million | $868.20 Million | +1.04pp |
| 2005-12-31 | 1.22% | $10.28 Million | $841.50 Million | -1.60pp |
| 2004-12-31 | 2.82% | $22.46 Million | $796.15 Million | -2.29pp |
| 2003-12-31 | 5.11% | $36.22 Million | $708.56 Million | +2.11pp |
| 2002-12-31 | 3.00% | $20.54 Million | $684.93 Million | +0.43pp |
| 2001-12-31 | 2.57% | $16.59 Million | $644.62 Million | -4.62pp |
| 2000-12-31 | 7.19% | $42.67 Million | $593.50 Million | -- |
About National Bankshares Inc
National Bankshares, Inc. operates as the bank holding company for the National Bank of Blacksburg that provides retail and commercial banking products and services to individuals, businesses, non-profits, and local governments. The company accepts interest-bearing and non-interest-bearing demand deposit accounts, money market deposit accounts, savings accounts, certificates of deposit, health sa… Read more