National Bankshares is the holding company for National Bank of Blacksburg (National Bank for short), which serves consumers and small business in southwestern Virginia through about two dozen branches. The community bank's services include deposit accounts, credit cards, and personal and corporate trust services. Commercial mortgages, including loans secured by college housing and professional office buildings, account for more than half of National Bankshares' loan portfolio; residential mortgages make up more than a quarter. To a lesser extent, the bank also writes business, construction, and consumer loans. Another subsidiary, National Bankshares Financial Services, provides investments and insurance.