National Bankshares, Inc. operates as the bank holding company for the National Bank of Blacksburg that provides a range of retail and commercial banking services to individuals, businesses, non-profits, and local governments. It offers interest-bearing and non-interest bearing demand deposit accounts, money market deposit accounts, savings accounts, certificates of deposit, and individual retirement accounts; and commercial and agricultural, commercial real estate, residential real estate, home equity, and various consumer loan products, as well as loans for the construction of commercial and residential properties. The company also provides merchant credit card services, and business and consumer debit and credit cards; letters of credit, night depository, safe deposit boxes, travelers checks, utility payment services, and automatic funds transfer; and telephone and Internet banking services. In addition, it offers wealth management, and trust and estate services for individual and business customers. National Bankshares, Inc. operates 25 branch offices and 24 automated teller machines in Southwest Virginia. Further, the company, through its subsidiary, National Bankshares Financial Services, Inc., offers non-deposit investment products and insurance products. National Bankshares, Inc. was founded in 1891 and is headquartered in Blacksburg, Virginia.