National Bankshares, Inc. is the bank holding company for the National Bank of Blacksburg, providing retail and commercial banking products and services to individuals, businesses, non-profits, and local governments. It offers various deposit accounts, including interest-bearing and non-interest-bearing demand deposits, money market accounts, savings accounts, certificates of deposit, health savings accounts, and individual retirement accounts. Its loan portfolio includes commercial and agricultural loans, commercial and consumer real estate loans, residential real estate loans, home equity loans, consumer loans such as credit cards and automobile loans, public sector and IDA loans, and construction loans. The company also provides debit and credit cards, letters of credit, safe deposit boxes, wealth management, trust and estate services, insurance products, and telephone, mobile, and Internet banking. Founded in 1891, it is headquartered in Blacksburg, Virginia.