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National Bankshares, Inc.(NKSH)Earnings, Financials & Key Ratios
NKSH•NASDAQ•Banking & Credit
14.2× P/E·Price updated Jun 19, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutNational 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 savings accounts, and individual retirement accounts. Its loan products include 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 business and consumer debit and credit cards; letters of credit, night depository services, safe deposit boxes, utility payment services, and automatic funds transfer; wealth management, trust, and estate services; non-deposit investment and insurance products; and telephone, mobile, and Internet banking services. It operates 23 branch offices, a loan production office, and 22 automated teller machines in Southwest Virginia. National Bankshares, Inc. was founded in 1891 and is headquartered in Blacksburg, Virginia.Show more
- Net Interest Income$46M+25.2%
- Total Revenue$85M+7.9%
- Net Income$16M+107.6%
- Return on Equity9.27%+80.6%
- Net Interest Margin2.5%+24.3%
- Efficiency Ratio42.68%-3.6%
- ROA0.87%+98.0%
- Equity / Assets10.13%+17.4%
- Book Value per Share29.06+14.5%
NKSH Key Insights
National Bankshares, Inc. (NKSH) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Company is almost debt free
- ✓Strong Piotroski F-Score: 8/9
- ✓Efficient operations: 42.7% efficiency ratio
- ✓Well capitalized: 10.1% equity/assets
- ✓Healthy dividend yield of 4.3%
- ✓Trading at only 1.2x book value
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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NKSH Price & Volume
National Bankshares, Inc. (NKSH) stock price & volume — 10-year historical chart
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NKSH Growth Metrics
National Bankshares, Inc. (NKSH) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years5.55%
5 Years10.43%
3 Years10.92%
TTM-
Profit CAGR
10 Years-0%
5 Years-0.31%
3 Years-15.18%
TTM107.61%
EPS CAGR
10 Years0.88%
5 Years0.08%
3 Years-16.84%
TTM103.43%
Return on Capital
10 Years10%
5 Years10.17%
3 Years6.94%
Last Year1.93%
NKSH Recent Earnings
National Bankshares, Inc. (NKSH) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 4/12 qtrs (33%)●Beat Revenue 4/12 qtrs (50%)
Q2 2026Latest
Apr 23, 2026Metric
Actual
Est
EPS
$0.78+20.0%
$0.65
Rev
$22M+53.8%
$14M
Q1 2026
Jan 22, 2026Metric
Actual
Est
EPS
$0.84+23.5%
$0.68
Rev
$22M+57.6%
$14M
Q4 2025
Oct 23, 2025Metric
Actual
Est
EPS
$0.69+4.5%
$0.66
Rev
$21M
—
Q3 2025
Aug 13, 2025Metric
Actual
Est
EPS
$0.61+0.0%
$0.61
Rev
$21M
—
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 23, 2026 | $0.78vs $0.65+20.0% | $22Mvs $14M+53.8% |
| Q1 2026 | Jan 22, 2026 | $0.84vs $0.68+23.5% | $22Mvs $14M+57.6% |
| Q4 2025 | Oct 23, 2025 | $0.69vs $0.66+4.5% | $21M |
| Q3 2025 | Aug 13, 2025 | $0.61vs $0.61+0.0% | $21M |
Based on last 12 quarters of dataView full earnings history →
NKSH Peer Comparison
National Bankshares, Inc. (NKSH) competitors in Commercial and middle-market focused banks — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 CARE | 686.07M | 30.96 | 22.11 | 6.24% | 12.46% | 7.65% | 0.43 | |
 MNSB | 175.75M | 23.86 | 13.56 | -1.44% | 11.53% | 7.26% | 0.32 | |
 NBTB | 2.44B | 46.68 | 14.02 | 10.36% | 18.76% | 9.51% | 0.17 | |
 CZWI | 205.47M | 21.34 | 14.62 | -9.41% | 16.01% | 7.81% | 0.28 | |
 FFIN | 4.7B | 32.78 | 18.52 | 11.71% | 30.71% | 14.16% | 0.01 | |
 FXNC | 265.44M | 29.36 | 14.98 | 27.11% | 15.35% | 9.98% | 0.23 | |
 UVSP | 1.19B | 41.64 | 13.18 | 3.58% | 17.51% | 9.82% | 0.37 | |
 FUNC | 276.83M | 42.58 | 11.29 | 6.6% | 20.51% | 12.61% | 0.56 |
Compare NKSH vs Peers
National Bankshares, Inc. (NKSH) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
NKSH Income Statement
National Bankshares, Inc. (NKSH) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | 37.13M | 38.18M | 37.77M | 38.17M | 41.89M | 47.03M | 37.28M | 36.4M | 45.56M |
NII Growth % | 1.01% | 2.81% | -1.07% | 1.07% | 9.74% | 12.26% | -20.72% | -2.38% | 25.18% |
Net Interest Margin % | 2.95% | 3.04% | 2.86% | 2.51% | 2.46% | 2.8% | 2.25% | 2.01% | 2.5% |
Interest Income | 41.26M | 43.22M | 45.15M | 44.01M | 44.99M | 50.11M | 58.83M | 70.12M | 75.31M |
Interest Expense | 4.13M | 5.05M | 7.38M | 5.84M | 3.1M | 3.08M | 21.55M | 33.73M | 29.75M |
Loan Loss Provision | 157K | -81K | 126K | 1.99M | -398K | 706K | -1.26M | 1.23M | -16K |
Non-Interest Income | 7.64M | 7.73M | 8.79M | 7.94M | 8.43M | 12.4M | 9.36M | 8.96M | 10M |
Non-Interest Income % | 15.62% | 15.17% | 16.3% | 15.29% | 15.78% | 19.84% | 13.72% | 11.33% | 11.72% |
Total Revenue | 48.9M▲ 0% | 50.95M▲ 4.2% | 53.94M▲ 5.9% | 51.95M▼ 3.7% | 53.41M▲ 2.8% | 62.51M▲ 17.0% | 68.19M▲ 9.1% | 79.08M▲ 16.0% | 85.31M▲ 7.9% |
Revenue Growth % | 1.77% | 4.21% | 5.86% | -3.68% | 2.81% | 17.03% | 9.09% | 15.97% | 7.88% |
Non-Interest Expense | 24.23M | 27.28M | 25.75M | 24.97M | 26.08M | 26.96M | 29.23M | 35.01M | 36.41M |
Efficiency Ratio | 49.55% | 53.53% | 47.75% | 48.06% | 48.83% | 43.13% | 42.86% | 44.27% | 42.68% |
Operating Income | 20.39M▲ 0% | 18.71M▼ 8.2% | 20.68M▲ 10.5% | 19.15M▼ 7.4% | 24.63M▲ 28.6% | 31.76M▲ 28.9% | 18.68M▼ 41.2% | 9.12M▼ 51.2% | 19.17M▲ 110.1% |
Operating Margin % | 41.69% | 36.72% | 38.34% | 36.87% | 46.12% | 50.81% | 27.39% | 11.53% | 22.46% |
Operating Income Growth % | 7.89% | -8.21% | 10.51% | -7.37% | 28.61% | 28.94% | -41.21% | -51.15% | 110.11% |
Pretax Income | 20.39M▲ 0% | 18.71M▼ 8.2% | 20.68M▲ 10.5% | 19.15M▼ 7.4% | 24.63M▲ 28.6% | 31.76M▲ 28.9% | 18.68M▼ 41.2% | 9.12M▼ 51.2% | 19.17M▲ 110.1% |
Pretax Margin % | 41.69% | 36.72% | 38.34% | 36.87% | 46.12% | 50.81% | 27.39% | 11.53% | 22.46% |
Income Tax | 6.29M | 2.56M | 3.21M | 3.08M | 4.25M | 5.83M | 2.98M | 1.5M | 3.34M |
Effective Tax Rate % | 30.87% | 13.68% | 15.53% | 16.06% | 17.26% | 18.36% | 15.98% | 16.43% | 17.43% |
Net Income | 14.09M▲ 0% | 16.15M▲ 14.6% | 17.47M▲ 8.1% | 16.08M▼ 8.0% | 20.38M▲ 26.8% | 25.93M▲ 27.2% | 15.69M▼ 39.5% | 7.62M▼ 51.4% | 15.83M▲ 107.6% |
Net Margin % | 28.82% | 31.7% | 32.38% | 30.95% | 38.16% | 41.48% | 23.01% | 9.64% | 18.55% |
Net Income Growth % | -5.69% | 14.61% | 8.14% | -7.95% | 26.78% | 27.23% | -39.49% | -51.42% | 107.61% |
Net Income (Continuing) | 14.09M | 16.15M | 17.47M | 16.08M | 20.38M | 25.93M | 15.69M | 7.62M | 15.83M |
EPS (Diluted) | 2.03▲ 0% | 2.32▲ 14.3% | 2.65▲ 14.2% | 2.48▼ 6.4% | 3.28▲ 32.3% | 4.33▲ 32.0% | 2.66▼ 38.6% | 1.24▼ 53.4% | 2.49▲ 100.8% |
EPS Growth % | -5.58% | 14.29% | 14.22% | -6.42% | 32.26% | 32.01% | -38.57% | -53.38% | 100.81% |
EPS (Basic) | 2.03 | 2.32 | 2.65 | 2.48 | 3.28 | 4.33 | 2.66 | 1.24 | 2.49 |
Diluted Shares Outstanding | 6.96M | 6.96M | 6.58M | 6.48M | 6.21M | 5.99M | 5.89M | 6.16M | 6.36M |
NKSH Balance Sheet
National Bankshares, Inc. (NKSH) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 395.55M | 481.38M | 522.43M | 680.61M | 824.87M | 728.28M | 705.2M | 141.5M | 662.8M |
Cash & Due from Banks | 64.16M | 56.37M | 87.17M | 133.87M | 138.79M | 71.43M | 86.6M | 107.82M | 8.42M |
Short Term Investments | 331.39M | 425.01M | 435.26M | 546.74M | 686.08M | 656.85M | 618.6M | 33.68M | 654.38M |
Total Investments | 1.12B | 1.13B | 1.16B | 1.31B | 1.48B | 1.5B | 1.47B | 1.58B | 1.64B |
Investments Growth % | 3.69% | 0.76% | 3.13% | 12.48% | 13.33% | 1.29% | -2.32% | 7.75% | 4.02% |
Long-Term Investments | 787.57M | 702.48M | 727.49M | 761.18M | 796.19M | 844.52M | 847.96M | 1.55B | 1.62B |
Accounts Receivables | 5.3M | 5.16M | 4.29M | 5.03M | 5.1M | 6M | 6.31M | 6.47M | 6.54M |
Goodwill & Intangibles | 5.9M | 5.85M | 5.85M | 5.85M | 5.85M | 5.85M | 5.85M | 12.58M | 12.21M |
Goodwill | 5.85M | 5.85M | 5.85M | 5.85M | 5.85M | 5.85M | 5.85M | 10.72M | 10.72M |
Intangible Assets | 50K | 0 | 0 | 0 | 0 | 0 | 0 | 1.86M | 1.49M |
PP&E (Net) | 8.22M | 8.65M | 8.92M | 10.04M | 9.72M | 10.37M | 11.11M | 16.88M | 20.32M |
Other Assets | 54.23M | 52.51M | 52.86M | 56.96M | 60.44M | 82.53M | 78.94M | 87.69M | -1.62B |
Total Current Assets | 400.84M | 486.54M | 526.72M | 685.64M | 829.97M | 734.28M | 711.52M | 147.97M | 669.33M |
Total Non-Current Assets | 855.91M | 769.49M | 795.12M | 834.03M | 872.2M | 943.27M | 943.85M | 1.66B | 32.53M |
Total Assets | 1.26B▲ 0% | 1.26B▼ 0.1% | 1.32B▲ 5.2% | 1.52B▲ 15.0% | 1.7B▲ 12.0% | 1.68B▼ 1.4% | 1.66B▼ 1.3% | 1.81B▲ 9.4% | 1.82B▲ 0.7% |
Asset Growth % | 1.85% | -0.06% | 5.24% | 14.97% | 12.01% | -1.45% | -1.32% | 9.44% | 0.71% |
Return on Assets (ROA) | 1.13% | 1.29% | 1.36% | 1.13% | 1.27% | 1.53% | 0.94% | 0.44% | 0.87% |
Accounts Payable | 62K | 89K | 144K | 56K | 48K | 106K | 1.42M | 1.46M | 1.58M |
Total Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2.04M |
Net Debt | -64.16M | -56.37M | -87.17M | -133.87M | -138.79M | -71.43M | -86.6M | -107.82M | -6.38M |
Long-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 556K |
Other Liabilities | 12.06M | 13.76M | 18.21M | 21.87M | 15.79M | 12.03M | 9.46M | 9.01M | 1.64B |
Total Current Liabilities | 1.06B | 1.05B | 1.12B | 1.3B | 1.49B | 1.54B | 1.51B | 1.65B | 556K |
Total Non-Current Liabilities | 12.06M | 13.76M | 18.21M | 21.87M | 15.79M | 12.03M | 9.46M | 9.01M | 1.64B |
Total Liabilities | 1.07B | 1.07B | 1.14B | 1.32B | 1.51B | 1.55B | 1.51B | 1.66B | 1.64B |
Total Equity | 184.9M▲ 0% | 190.24M▲ 2.9% | 183.73M▼ 3.4% | 200.61M▲ 9.2% | 191.75M▼ 4.4% | 122.69M▼ 36.0% | 140.52M▲ 14.5% | 156.41M▲ 11.3% | 184.91M▲ 18.2% |
Equity Growth % | 3.72% | 2.89% | -3.42% | 9.19% | -4.41% | -36.02% | 14.54% | 11.31% | 18.22% |
Equity / Assets (Capital Ratio) | 14.71% | 15.15% | 13.9% | 13.2% | 11.27% | 7.31% | 8.49% | 8.63% | 10.13% |
Return on Equity (ROE) | 7.76% | 8.61% | 9.34% | 8.37% | 10.39% | 16.49% | 11.92% | 5.13% | 9.27% |
Book Value per Share | 26.57 | 27.34 | 27.92 | 30.94 | 30.88 | 20.48 | 23.86 | 25.38 | 29.06 |
Tangible BV per Share | 25.73 | 26.50 | 27.03 | 30.04 | 29.94 | 19.51 | 22.86 | 23.34 | 27.14 |
Common Stock | 8.7M | 8.7M | 8.11M | 8.04M | 7.58M | 7.36M | 7.4M | 21.83M | 22.02M |
Additional Paid-in Capital | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Retained Earnings | 185.89M | 193.62M | 184.12M | 189.55M | 188.23M | 199.09M | 197.98M | 196.34M | 202.56M |
Accumulated OCI | -9.7M | -12.09M | -8.51M | 3.02M | -4.06M | -83.77M | -64.87M | -61.77M | -39.67M |
Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
NKSH Cash Flow Statement
National Bankshares, Inc. (NKSH) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 10.99M | 19.77M | 18.83M | 13.79M | 22.88M | 29.5M | 15.52M | 9.44M | 17.89M |
Operating CF Growth % | -37.3% | 79.87% | -4.77% | -26.76% | 65.9% | 28.92% | -47.38% | -39.2% | 89.55% |
Net Income | 14.09M | 16.15M | 17.47M | 16.08M | 20.38M | 25.93M | 15.69M | 7.62M | 15.83M |
Depreciation & Amortization | 873K | 816K | 739K | 708K | 636K | 609K | 754K | 1.14M | 2.15M |
Deferred Taxes | 3.35M | -382K | 529K | 282K | 152K | -109K | 750K | -884K | 704K |
Other Non-Cash Items | -4.86M | -256K | -1.96M | -2.51M | 290K | 1.91M | 1.76M | 3.43M | -2.11M |
Working Capital Changes | -2.47M | 3.45M | 2.06M | -760K | 1.06M | 1.16M | -3.48M | -2M | 1.12M |
Cash from Investing | -20.19M | -3.63M | -61.68M | -177.6M | -193.25M | -129.71M | 53.19M | 15.79M | -39.18M |
Purchase of Investments | -41.61M | -25.32M | -352.5M | -241.16M | -219.33M | -117.34M | 0 | 0 | -83.87M |
Sale/Maturity of Investments | 23.09M | 57.09M | 349.12M | 144.91M | 65.26M | 38.63M | 57.72M | 25.54M | 41M |
Net Investment Activity | -18.52M | 31.77M | -3.38M | -96.26M | -154.07M | -78.71M | 57.72M | 25.54M | -42.87M |
Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 6.9M | 0 |
Other Investing | -1.41M | -34.21M | -57.26M | -79.52M | -38.85M | -49.74M | -3.04M | -13.4M | 3.69M |
Cash from Financing | 8.15M | -16.21M | 40.25M | 166.67M | 175.28M | 32.85M | -53.54M | -3.71M | -27.58M |
Dividends Paid | -8.14M | -8.42M | -9.03M | -9M | -8.81M | -8.95M | -14.78M | -9.26M | -9.61M |
Share Repurchases | 0 | 0 | -18.52M | -1.72M | -13.35M | -6.34M | 0 | 0 | 0 |
Stock Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Net Stock Activity | 0 | 0 | -18.52M | -1.72M | -13.35M | -6.34M | 0 | 0 | 0 |
Debt Issuance (Net) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1000K | 0 |
Other Financing | 16.29M | -7.79M | 67.81M | 177.39M | 197.44M | 48.14M | -38.75M | 10.78M | -17.97M |
Net Change in Cash | -1.05M▲ 0% | -44K▲ 95.8% | -2.59M▼ 5790.9% | 2.86M▲ 210.2% | 4.92M▲ 72.1% | -67.36M▼ 1469.9% | 15.17M▲ 122.5% | 21.51M▲ 41.8% | -48.87M▼ 327.1% |
Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Cash at Beginning | 13.97M | 12.93M | 12.88M | 10.29M | 133.87M | 138.79M | 71.43M | 86.6M | 108.12M |
Cash at End | 12.93M | 12.88M | 10.29M | 13.15M | 138.79M | 71.43M | 86.6M | 108.12M | 59.25M |
Interest Paid | 4.12M | 5.02M | 7.33M | 5.92M | 3.11M | 3.02M | 20.24M | 33.68M | 29.48M |
Income Taxes Paid | 4.09M | 1.78M | 2.54M | 3.86M | 3.18M | 3.86M | 2.54M | 715K | 2.21M |
Free Cash Flow | 10.73M▲ 0% | 18.58M▲ 73.1% | 17.8M▼ 4.2% | 11.97M▼ 32.8% | 22.56M▲ 88.5% | 28.24M▲ 25.2% | 14.03M▼ 50.3% | 6.18M▼ 55.9% | 15.15M▲ 145.1% |
FCF Growth % | -36.49% | 73.15% | -4.22% | -32.76% | 88.48% | 25.19% | -50.32% | -55.94% | 145.1% |
NKSH Banking Ratios
National Bankshares, Inc. (NKSH) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
Return on Equity (ROE) | 8.53% | 7.76% | 8.61% | 9.34% | 8.37% | 10.39% | 16.49% | 11.92% | 5.13% | 9.27% |
Return on Assets (ROA) | 1.23% | 1.13% | 1.29% | 1.36% | 1.13% | 1.27% | 1.53% | 0.94% | 0.44% | 0.87% |
Net Interest Margin | 2.98% | 2.95% | 3.04% | 2.86% | 2.51% | 2.46% | 2.8% | 2.25% | 2.01% | 2.5% |
Efficiency Ratio | 48.57% | 49.55% | 53.53% | 47.75% | 48.06% | 48.83% | 43.13% | 42.86% | 44.27% | 42.68% |
Equity / Assets | 14.45% | 14.71% | 15.15% | 13.9% | 13.2% | 11.27% | 7.31% | 8.49% | 8.63% | 10.13% |
Book Value / Share | 25.62 | 26.57 | 27.34 | 27.92 | 30.94 | 30.88 | 20.48 | 23.86 | 25.38 | 29.06 |
NII Growth | -5.08% | 1.01% | 2.81% | -1.07% | 1.07% | 9.74% | 12.26% | -20.72% | -2.38% | 25.18% |
Dividend Payout | 54.02% | 57.77% | 52.13% | 51.71% | 55.98% | 43.2% | 34.51% | 94.22% | 121.53% | 60.73% |
Related:NKSH Dividend History·NKSH Revenue History·NKSH Price History·NKSH P/E History·NKSH Financial Ratios·NKSH Institutional Holders
NKSH SEC Filings & Documents
National Bankshares, Inc. (NKSH) SEC filings — annual & quarterly reports (10-K, 10-Q)
NKSH Frequently Asked Questions
National Bankshares, Inc. (NKSH) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
National Bankshares, Inc. (NKSH) grew revenue by 7.9% over the past year. This is steady growth.
Yes, National Bankshares, Inc. (NKSH) is profitable, generating $15.8M in net income for fiscal year 2025 (18.6% net margin).
Dividend & Returns
Yes, National Bankshares, Inc. (NKSH) pays a dividend with a yield of 4.28%. This makes it attractive for income-focused investors.
National Bankshares, Inc. (NKSH) has a return on equity (ROE) of 9.3%. This is below average, suggesting room for improvement.
Industry Metrics
National Bankshares, Inc. (NKSH) has a net interest margin (NIM) of 2.5%. NIM has been under pressure due to interest rate environment.
National Bankshares, Inc. (NKSH) has an efficiency ratio of 42.7%. This is excellent, indicating strong cost control.