AMNB / American National Bankshares Inc. - Pengajuan SECLaporan Tahunan, Pernyataan Proksi

American National Bankshares Inc.
US ˙ NasdaqGS ˙ US0277451086
HINDI NA ACTIVE ANG SIMBONG ITO

Mga Batayang Estadistika
LEI 5493001AQ734BV16EM88
CIK 741516
SEC Filings
All companies that sell securities in the United States must register with the Securities and Exchange Commission (SEC) and file reports on a regular basis. These reports include company annual reports (10K, 10Q), news updates (8K), investor presentations (found in 8Ks), insider trades (form 4), ownership reports (13D, and 13G), and reports related to the specific securities sold, such as registration statements and prospectus. This page shows recent SEC filings related to American National Bankshares Inc.
SEC Filings (Chronological Order)
Halaman ini menyediakan daftar lengkap dan kronologis dari Pengajuan SEC, tidak termasuk pengajuan kepemilikan yang kami sediakan di tempat lain.
April 11, 2024 15-12G

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 15 CERTIFICATION AND NOTICE OF TERMINATION OF REGISTRATION UNDER SECTION 12(g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR SUSPENSION OF DUTY TO FILE REPORTS UNDER SECTIONS 13

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 15 CERTIFICATION AND NOTICE OF TERMINATION OF REGISTRATION UNDER SECTION 12(g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR SUSPENSION OF DUTY TO FILE REPORTS UNDER SECTIONS 13 AND 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934. Commission File Number 000-12820 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as spe

April 1, 2024 8-K

Changes in Control of Registrant, Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year, Material Modification to Rights of Security Holders, Notice of Delisting or Failure to Satisfy a Continued Listing Rule or Standard; Transfer of Listing, Financial Statements and Exhibits, Completion of Acquisition or Disposition of Assets

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 1, 2024 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia (State or other jurisdiction of incorporation) 0-12820 (Commission File

April 1, 2024 POS AM

As filed with the Securities and Exchange Commission on April 1, 2024

As filed with the Securities and Exchange Commission on April 1, 2024 Registration No.

April 1, 2024 POS AM

As filed with the Securities and Exchange Commission on April 1, 2024

As filed with the Securities and Exchange Commission on April 1, 2024 Registration No.

April 1, 2024 EX-10.1

SEPARATION AND RELEASE AGREEMENT

Exhibit 10.1 SEPARATION AND RELEASE AGREEMENT THIS SEPARATION AND RELEASE AGREEMENT (this “Agreement”) is entered into by and among Jeffrey Haley (the “Executive”), American National Bankshares Inc. (the “Company”), and American National Bank and Trust Company, (the “Bank” and together with the Company, the “Employer”), to be effective as of the Effective Time (as defined in the Agreement and Plan

April 1, 2024 EX-10.3

SEPARATION AND RELEASE AGREEMENT

Exhibit 10.3 SEPARATION AND RELEASE AGREEMENT THIS SEPARATION AND RELEASE AGREEMENT (this “Agreement”) is entered into by and among Alexander Jung (the “Executive”) and American National Bank and Trust Company (the “Employer”), to be effective as of the Effective Time (as defined in the Agreement and Plan of Merger, dated July 24, 2023 (the “Merger Agreement”), by and between Atlantic Union Banksh

April 1, 2024 EX-10.2

SEPARATION AND RELEASE AGREEMENT

Exhibit 10.2 SEPARATION AND RELEASE AGREEMENT THIS SEPARATION AND RELEASE AGREEMENT (this “Agreement”) is entered into by and among Jeffrey W. Farrar (the “Executive”), American National Bankshares Inc. (the “Company”), and American National Bank and Trust Company (the “Bank” and together with the Company, the “Employer”), to be effective as of the Effective Time (as defined in the Agreement and P

April 1, 2024 S-8 POS

As filed with the Securities and Exchange Commission on April 1, 2024.

As filed with the Securities and Exchange Commission on April 1, 2024. Registration No. 333-228810 Registration No. 333-227481 Registration No. 333-151277 Registration No. 333-35783 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Post-Effective Amendment No. 2 to Registration Statement No. 333-228810 Post-Effective Amendment No. 1 to Registration Statement No. 333-227481 Po

April 1, 2024 POS AM

As filed with the Securities and Exchange Commission on April 1, 2024

As filed with the Securities and Exchange Commission on April 1, 2024 Registration No.

April 1, 2024 S-8 POS

As filed with the Securities and Exchange Commission on April 1, 2024.

As filed with the Securities and Exchange Commission on April 1, 2024. Registration No. 333-228810 Registration No. 333-227481 Registration No. 333-151277 Registration No. 333-35783 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Post-Effective Amendment No. 2 to Registration Statement No. 333-228810 Post-Effective Amendment No. 1 to Registration Statement No. 333-227481 Po

April 1, 2024 S-8 POS

As filed with the Securities and Exchange Commission on April 1, 2024.

As filed with the Securities and Exchange Commission on April 1, 2024. Registration No. 333-228810 Registration No. 333-227481 Registration No. 333-151277 Registration No. 333-35783 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Post-Effective Amendment No. 2 to Registration Statement No. 333-228810 Post-Effective Amendment No. 1 to Registration Statement No. 333-227481 Po

April 1, 2024 POS AM

As filed with the Securities and Exchange Commission on April 1, 2024

As filed with the Securities and Exchange Commission on April 1, 2024 Registration No.

April 1, 2024 POS AM

As filed with the Securities and Exchange Commission on April 1, 2024

As filed with the Securities and Exchange Commission on April 1, 2024 Registration No.

April 1, 2024 S-8 POS

As filed with the Securities and Exchange Commission on April 1, 2024.

As filed with the Securities and Exchange Commission on April 1, 2024. Registration No. 333-228810 Registration No. 333-227481 Registration No. 333-151277 Registration No. 333-35783 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Post-Effective Amendment No. 2 to Registration Statement No. 333-228810 Post-Effective Amendment No. 1 to Registration Statement No. 333-227481 Po

April 1, 2024 POS AM

As filed with the Securities and Exchange Commission on April 1, 2024

As filed with the Securities and Exchange Commission on April 1, 2024 Registration No.

March 29, 2024 10-K/A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K/A (Amendment No. 1) ☑ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 ☐TRANSITION REPORT

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K/A (Amendment No. 1) ☑ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 -12-31FY2023 or ☐TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 0-128

March 15, 2024 EX-4.1

Description of American National Bankshares Inc.'s Securities

Exhibit 4.1 DESCRIPTION OF AMERICAN NATIONAL BANKSHARES INC.’S SECURITIES As of December 31, 2023, the common stock of American National Bankshares Inc. ("American National") was the only class of its securities registered under Section 12 of the Securities Exchange Act of 1934. The following summary description of the material features of the common stock of American National does not purport to

March 15, 2024 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☑ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 ☐ TRANSITION REPORT PURSUANT TO SECTI

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☑ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 0-12820 AMERICAN NATIONAL BANKSHARES

March 15, 2024 EX-97

Clawback Policy

Exhibit 97 AMERICAN NATIONAL BANKSHARES INC. CLAWBACK POLICY (Effective October 2, 2023) Introduction The Board of Directors (the “Board”) of American National Bankshares Inc. (the “Company”) believes that it is in the best interests of the Company and its shareholders to create and maintain a culture that emphasizes integrity and accountability and that reinforces the Company’s pay-for-performanc

March 15, 2024 EX-21.1

Subsidiaries of the registrant

Exhibit 21.1 Subsidiaries of the Registrant Registrant: American National Bankshares Inc. Incorporated under the laws of the Commonwealth of Virginia Subsidiaries of American National Bankshares Inc.: American National Bank and Trust Company Chartered under the laws of the United States AMNB Statutory Trust I, A Delaware Statutory Trust MidCarolina Trust I, A Delaware Statutory Trust MidCarolina T

February 23, 2024 8-K

Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 23, 2024 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia (State or other jurisdiction of incorporation) 0-12820 (Commission

February 8, 2024 SC 13G/A

AMNB / American National Bankshares Inc. / FJ Capital Management LLC Passive Investment

SC 13G/A 1 eps11128amnb.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 1 ) * American National Bankshares, Inc. (AMNB) (Name of Issuer) Common Stock (Title of Class of Securities) 027745 10 8 (CUSIP Number) 12/31/2023 (Date of Event Which Requires Filing of this Statement) Check the appropriate box t

February 7, 2024 8-K

Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 7, 2024 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia (State or other jurisdiction of incorporation) 0-12820 (Commission F

January 23, 2024 EX-99.1

AMERICAN NATIONAL BANKSHARES REPORTS FOURTH QUARTER AND FULL YEAR 2023 EARNINGS

Exhibit 99.1 FOR IMMEDIATE RELEASE Contact: Jeffrey W. Farrar Executive Vice President, COO & CFO (434)773-2274 [email protected] AMERICAN NATIONAL BANKSHARES REPORTS FOURTH QUARTER AND FULL YEAR 2023 EARNINGS Danville, VA, January 23, 2024 – American National Bankshares Inc. (NASDAQ: AMNB) (“American National” or the “Company”) today reported fourth quarter 2023 earnings of $4.0 million, or $0.38

January 23, 2024 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) January 23, 2024 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia 0-12820 54-1284688 (State or other jurisdiction of incorporation) (Co

December 22, 2023 EX-10.1

Form of Amendment to Employment Agreement for certain executive officers

Exhibit 10.1 AMENDMENT TO [AMENDED AND RESTATED] EMPLOYMENT AGREEMENT This amendment (this “Amendment”) to that certain [amended and restated] employment agreement dated as of [], by and among [American National Bankshares Inc., a Virginia corporation (the “Company”),] American National Bank and Trust Company, a national banking association (the “Bank”), and [] (the “Executive”) (the “Employment A

December 22, 2023 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 22, 2023 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia (State or other jurisdiction of incorporation) 0-12820 (Commission

November 21, 2023 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 21, 2023 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia (State or other jurisdiction of incorporation) 0-12820 (Commission

November 21, 2023 EX-99.1

Jeffrey W. Farrar, Chief Operating and Chief Financial Officer

Exhibit 99.1 Date: November 21, 2023 Contact: Jeffrey W. Farrar, Chief Operating and Chief Financial Officer 434-773-2274 [email protected] Traded: Nasdaq Global Select Market Symbol: AMNB AMERICAN NATIONAL BANKSHARES INC. ANNOUNCES QUARTERLY CASH DIVIDEND Danville, VA – American National Bankshares Inc. (NASDAQ: AMNB), parent company of American National Bank and Trust Company, announced its Board

November 15, 2023 8-K

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 14, 2023 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia (State or other jurisdiction of incorporation) 0-12820 (Commission

November 8, 2023 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2023 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 0-12820 AME

October 23, 2023 DEFA14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Information Required in Proxy Statement Schedule 14A Information Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Information Required in Proxy Statement Schedule 14A Information Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission

October 19, 2023 EX-99.1

AMERICAN NATIONAL BANKSHARES REPORTS THIRD QUARTER EARNINGS

Exhibit 99.1 FOR IMMEDIATE RELEASE Contact: Jeffrey W. Farrar Senior Executive Vice President, COO & CFO (434)773-2274 [email protected] AMERICAN NATIONAL BANKSHARES REPORTS THIRD QUARTER EARNINGS Danville, VA, October 19, 2023 – American National Bankshares Inc. (Nasdaq: AMNB) (“American National” or the “Company”) today reported third quarter 2023 earnings of $5.8 million, or $0.54 per diluted co

October 19, 2023 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) October 19, 2023 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia 0-12820 54-1284688 (State or other jurisdiction of incorporation) (Co

September 29, 2023 DEFM14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Information Required in Proxy Statement Schedule 14A Information Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

TABLE OF CONTENTS UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Information Required in Proxy Statement Schedule 14A Information Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use

August 9, 2023 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2023 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 0-12820 AMERICAN

July 25, 2023 EX-99.1

FORM OF AFFILIATE AGREEMENT

EX-99.1 Exhibit 99.1 FORM OF AFFILIATE AGREEMENT THIS AFFILIATE AGREEMENT (the “Agreement”), dated as of July 24, 2023, is by and among Atlantic Union Bankshares Corporation, a Virginia corporation (“Buyer”), American National Bankshares Inc., a Virginia corporation (“AMNB”), and the undersigned shareholder [and director][and executive officer] of AMNB (the “Shareholder”), in such person’s capacit

July 25, 2023 EX-99.2

Atlantic Union Bankshares Corporation Announces Agreement to Acquire American National Bankshares Inc.

EX-99.2 Exhibit 99.2 Atlantic Union Bankshares Corporation Announces Agreement to Acquire American National Bankshares Inc. Richmond, Va. and Danville, Va., July 25, 2023 – Atlantic Union Bankshares Corporation (“Atlantic Union”) (NYSE: AUB) and American National Bankshares Inc. (“American National”) (Nasdaq: AMNB) jointly announced today that they have entered into a definitive merger agreement f

July 25, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) July 25, 2023 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia 0-12820 54-1284688 (State or other jurisdiction of incorporation) (Commi

July 25, 2023 EX-99.1

AMERICAN NATIONAL BANKSHARES REPORTS SECOND QUARTER EARNINGS

Exhibit 99.1 FOR IMMEDIATE RELEASE Contact: Jeffrey W. Farrar Senior Executive Vice President, COO & CFO (434)773-2274 [email protected] AMERICAN NATIONAL BANKSHARES REPORTS SECOND QUARTER EARNINGS Danville, VA, July 25, 2023 – American National Bankshares Inc. (Nasdaq: AMNB) (“American National” or the “Company”) today reported second quarter 2023 earnings of $7.1 million, or $0.67 per diluted com

July 25, 2023 EX-2.1

Agreement and Plan of Merger by and between Atlantic Union Bankshares Corporation and American National Bankshares Inc. dated July 24, 2023

EX-2.1 Exhibit 2.1 Execution Version AGREEMENT AND PLAN OF MERGER by and between ATLANTIC UNION BANKSHARES CORPORATION, and AMERICAN NATIONAL BANKSHARES INC. Dated as of July 24, 2023 TABLE OF CONTENTS ARTICLE I THE MERGER 1.1 The Merger 2 1.2 Closing 2 1.3 Effective Time 2 1.4 Effects of the Merger 2 1.5 Conversion of AMNB Common Stock 2 1.6 Buyer Stock 3 1.7 Treatment of AMNB Equity Awards 4 1.8

July 25, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 24, 2023 AMERICAN NATIONAL B

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 24, 2023 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia 0-12820 54-1284688 (State or other jurisdiction of incorporation) (Comm

July 25, 2023 DEFA14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 24, 2023 AMERICAN NATIONAL B

DEFA14A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 24, 2023 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia 0-12820 54-1284688 (State or other jurisdiction of incorporatio

July 25, 2023 425

****

Filed by Atlantic Union Bankshares Corporation Pursuant to Rule 425 under the Securities Act of 1933 and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934 Subject Company: American National Bankshares Inc.

July 19, 2023 EX-99.1

Jeffrey W. Farrar, Chief Operating and Chief Financial Officer

Exhibit 99.1 Date: July 19, 2023 Contact: Jeffrey W. Farrar, Chief Operating and Chief Financial Officer 434-773-2274 [email protected] Traded: Nasdaq Global Select Market Symbol: AMNB AMERICAN NATIONAL BANKSHARES INC. ANNOUNCES QUARTERLY CASH DIVIDEND Danville, VA – American National Bankshares Inc. (NASDAQ: AMNB), parent company of American National Bank and Trust Company, announced its Board of

July 19, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 19, 2023 AMERICAN NATIONAL B

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 19, 2023 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia (State or other jurisdiction of incorporation) 0-12820 (Commission File

May 19, 2023 EX-3.1

Articles of Incorporation, as amended

Exhibit 3.1 ARTICLES OF INCORPORATION OF AMERICAN NATIONAL BANKSHARES INC. (as amended May 18, 2023) 1. Name. The name of the Corporation is AMERICAN NATIONAL BANKSHARES INC. 2. Purpose. The purpose of the Corporation is to transact any or all lawful business not required to be specifically stated in these Articles of Incorporation for which corporations may be incorporated under the Virginia Stoc

May 19, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 16, 2023 AMERICAN NATIONAL BA

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 16, 2023 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia (State or other jurisdiction of incorporation) 0-12820 (Commission File

May 19, 2023 EX-3.2

Amended and Restated Bylaws of American National Bankshares Inc.

Exhibit 3.2 AMENDED AND RESTATED BYLAWS OF AMERICAN NATIONAL BANKSHARES INC. May 16, 2023 ARTICLE I MEETINGS OF SHAREHOLDERS Section 1.1. Annual Meeting. a) The regular annual meeting of the shareholders of the Company for the election of directors and for the transaction of such other business as may properly come before it shall be held at the principal office of the Company in Danville, Virgini

May 19, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 16, 2023 AMERICAN NATIONAL BA

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 16, 2023 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia (State or other jurisdiction of incorporation) 0-12820 (Commission File

May 17, 2023 EX-99.1

Jeffrey W. Farrar, Chief Operating and Chief Financial Officer

Exhibit 99.1 Date: May 17, 2023 Contact: Jeffrey W. Farrar, Chief Operating and Chief Financial Officer 434-773-2274 [email protected] Traded: Nasdaq Global Select Market Symbol: AMNB AMERICAN NATIONAL BANKSHARES INC. ANNOUNCES QUARTERLY CASH DIVIDEND Danville, VA – American National Bankshares Inc. (NASDAQ: AMNB), parent company of American National Bank and Trust Company, announced its Board of D

May 17, 2023 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 17, 2023 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia (State or other jurisdiction of incorporation) 0-12820 (Commission File

May 10, 2023 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 0-12820 AMERICA

May 10, 2023 SC 13G

AMNB / American National Bankshares Inc. / FJ Capital Management LLC Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. ) * American National Bankshares, Inc. (AMNB) (Name of Issuer) Common Stock (Title of Class of Securities) 027745 10 8 (CUSIP Number) 5/4/2023 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to

April 25, 2023 EX-99.1

AMERICAN NATIONAL BANKSHARES REPORTS FIRST QUARTER EARNINGS

Exhibit 99.1 FOR IMMEDIATE RELEASE Contact: Jeffrey W. Farrar Senior Executive Vice President, COO & CFO (434)773-2274 [email protected] AMERICAN NATIONAL BANKSHARES REPORTS FIRST QUARTER EARNINGS Danville, VA, April 25, 2023 – American National Bankshares Inc. (Nasdaq: AMNB) (“American National” or the “Company”) today reported first quarter 2023 earnings of $9.2 million, or $0.86 per diluted comm

April 25, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) April 25, 2023 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia 0-12820 54-1284688 (State or other jurisdiction of incorporation) (Comm

April 6, 2023 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (RULE 14A-101) Schedule 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (RULE 14A-101) Schedule 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (a

March 22, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 22, 2023 AMERICAN NATIONAL

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 22, 2023 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia (State or other jurisdiction of incorporation) 0-12820 (Commission Fil

March 22, 2023 EX-99.1

American National Bankshares Inc Announces Board Leadership Succession, Board Nominees and Promotions

Exhibit 99.1 American National Bankshares Inc Announces Board Leadership Succession, Board Nominees and Promotions For more information, contact: Jeffrey V. Haley President & Chief Executive Officer American National Bankshares Inc. [email protected] 434.773.2259 FOR IMMEDIATE RELEASE: DANVILLE, VA, March 22, 2023 – American National Bankshares Inc. (the Company or American National) announced today

March 14, 2023 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☑ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 ☐ TRANSITION REPORT PURSUANT TO SECTI

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☑ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 0-12820 AMERICAN NATIONAL BANKSHARES

March 14, 2023 EX-21.1

Subsidiaries of the registrant

Exhibit 21.1 Subsidiaries of the Registrant Registrant: American National Bankshares Inc. Incorporated under the laws of the Commonwealth of Virginia Subsidiaries of American National Bankshares Inc.: American National Bank and Trust Company Chartered under the laws of the United States AMNB Statutory Trust I, A Delaware Statutory Trust MidCarolina Trust I, A Delaware Statutory Trust MidCarolina T

March 14, 2023 EX-4.1

Description of American National Bankshares Inc.'s Securities

Exhibit 4.1 DESCRIPTION OF AMERICAN NATIONAL BANKSHARES INC.’S SECURITIES As of December 31, 2022, the common stock of American National Bankshares Inc. ("American National") was the only class of its securities registered under Section 12 of the Securities Exchange Act of 1934. The following summary description of the material features of the common stock of American National does not purport to

February 22, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 22, 2023 AMERICAN NATION

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 22, 2023 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia (State or other jurisdiction of incorporation) 0-12820 (Commission

February 22, 2023 EX-99.1

Jeffrey W. Farrar, Chief Operating and Chief Financial Officer

Exhibit 99.1 Date: February 22, 2023 Contact: Jeffrey W. Farrar, Chief Operating and Chief Financial Officer 434-773-2274 [email protected] Traded: Nasdaq Global Select Market Symbol: AMNB AMERICAN NATIONAL BANKSHARES INC. ANNOUNCES QUARTERLY CASH DIVIDEND Danville, VA – American National Bankshares Inc. (NASDAQ: AMNB), parent company of American National Bank and Trust Company, announced its Board

January 26, 2023 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 26, 2023 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia (State or other jurisdiction of incorporation) 0-12820 (Commission F

January 26, 2023 EX-99.1

AMERICAN NATIONAL BANKSHARES INC. ANNOUNCES SHARE REPURCHASE AUTHORIZATION

Date: January 26, 2023 Contact: Jeffrey W. Farrar, Chief Operating and Chief Financial Officer 434-773-2274 [email protected] Traded: Nasdaq Global Select Market Symbol: AMNB AMERICAN NATIONAL BANKSHARES INC. ANNOUNCES SHARE REPURCHASE AUTHORIZATION Danville, VA - American National Bankshares Inc. (“the Company”) (NASDAQ: AMNB), parent company of American National Bank and Trust Company, today anno

January 25, 2023 8-K/A

Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K/A (Amendment No. 1) CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 19, 2023 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia 0-12820 54-1284688 (State or other jurisdiction

January 19, 2023 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) January 19, 2023 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia 0-12820 54-1284688 (State or other jurisdiction of incorporation) (Co

January 19, 2023 EX-99.1

AMERICAN NATIONAL BANKSHARES REPORTS FOURTH QUARTER AND FULL YEAR 2022 EARNINGS

Exhibit 99.1 FOR IMMEDIATE RELEASE Contact: Jeffrey W. Farrar Executive Vice President, COO & CFO (434)773-2274 [email protected] AMERICAN NATIONAL BANKSHARES REPORTS FOURTH QUARTER AND FULL YEAR 2022 EARNINGS Danville, VA, January 19, 2023 – American National Bankshares Inc. (NASDAQ: AMNB) (“American National” or the “Company”) today reported fourth quarter 2022 earnings of $8.0 million, or $0.76

December 13, 2022 EX-99.1

American National Bankshares Announces the Passing of Director, Charles Somerville Harris

Exhibit 99.1 American National Bankshares Announces the Passing of Director, Charles Somerville Harris For more information, contact: Jeffrey V. Haley Carolyn B. Kiser President & Chief Executive Officer SVP, Director of Marketing & Community Affairs American National Bankshares Inc. American National Bank & Trust Company [email protected] [email protected] 434.773.2259 540.278.1703 FOR IMMEDIATE RELE

December 13, 2022 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 12, 2022 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia (State or other jurisdiction of incorporation) 0-12820 (Commission

November 17, 2022 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 16, 2022 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia (State or other jurisdiction of incorporation) 0-12820 (Commission

November 17, 2022 EX-99.1

November 16, 2022

Exhibit 99.1 Date: November 16, 2022 Contact: Jeffrey W. Farrar, Chief Operating and Chief Financial Officer 434-773-2274 [email protected] Traded: Nasdaq Global Select Market Symbol: AMNB AMERICAN NATIONAL BANKSHARES INC. ANNOUNCES INCREASE IN QUARTERLY DIVIDEND Danville, VA ? American National Bankshares Inc. (NASDAQ: AMNB), parent company of American National Bank and Trust Company, announced it

November 8, 2022 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2022 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 0-12820 AME

October 20, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) October 20, 2022 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia 0-12820 54-1284688 (State or other jurisdiction of incorporation) (Co

October 20, 2022 EX-99.1

AMERICAN NATIONAL BANKSHARES REPORTS THIRD QUARTER EARNINGS

Exhibit 99.1 FOR IMMEDIATE RELEASE Contact: Jeffrey W. Farrar Executive Vice President, COO & CFO (434)773-2274 [email protected] AMERICAN NATIONAL BANKSHARES REPORTS THIRD QUARTER EARNINGS Danville, VA, October 20, 2022 ? American National Bankshares Inc. (NASDAQ: AMNB) (?American National? or the ?Company?) today reported third quarter 2022 earnings of $9.3 million, or $0.87 per diluted common sh

October 19, 2022 EX-3.2

Bylaws, as amended

Exhibit 3.2 BYLAWS OF AMERICAN NATIONAL BANKSHARES INC. ARTICLE I MEETING OF SHAREHOLDERS Section 1.1. Annual Meeting. a) The regular annual meeting of the shareholders of the Company for the election of directors and for the transaction of such other business as may properly come before it shall be held at the principal office of the Company in Danville, Virginia, or at such other place as the Bo

October 19, 2022 EX-99.1

American National Bankshares Announces the Additions of Nathan Duggins and William Farrell to its Board of Directors

Exhibit 99.1 American National Bankshares Announces the Additions of Nathan Duggins and William Farrell to its Board of Directors For more information, contact: Jeffrey V. Haley Carolyn B. Kiser President & Chief Executive Officer SVP, Director of Marketing & Community Affairs American National Bankshares Inc. American National Bank & Trust Company [email protected] [email protected] 434.773.2259 540.

October 19, 2022 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 18, 2022 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia (State or other jurisdiction of incorporation) 0-12820 (Commission F

August 5, 2022 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2022 ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 0-12820 AMERICAN

July 27, 2022 EX-99.1

Investor Presentation.

Exhibit 99.1

July 27, 2022 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) July 26, 2022 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia 0-12820 54-1284688 (State or other jurisdiction of incorporation) (Commi

July 21, 2022 EX-99.1

AMERICAN NATIONAL BANKSHARES REPORTS SECOND QUARTER EARNINGS

Exhibit 99.1 FOR IMMEDIATE RELEASE Contact: Jeffrey W. Farrar Executive Vice President, COO & CFO (434)773-2274 [email protected] AMERICAN NATIONAL BANKSHARES REPORTS SECOND QUARTER EARNINGS Danville, VA, July 21, 2022 ? American National Bankshares Inc. (NASDAQ: AMNB) (?American National? or the ?Company?) today reported second quarter 2022 earnings of $8.1 million, or $0.76 per diluted common sha

July 21, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) July 21, 2022 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia 0-12820 54-1284688 (State or other jurisdiction of incorporation) (Commi

July 20, 2022 EX-99.1

July 20, 2022

Date: July 20, 2022 Contact: Jeffrey W. Farrar, Chief Operating and Chief Financial Officer 434-773-2274 [email protected] Traded: Nasdaq Global Select Market Symbol: AMNB AMERICAN NATIONAL BANKSHARES INC. ANNOUNCES QUARTERLY CASH DIVIDEND Danville, VA ? American National Bankshares Inc. (NASDAQ: AMNB), parent company of American National Bank and Trust Company, announced its Board of Directors has

July 20, 2022 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 20, 2022 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia (State or other jurisdiction of incorporation) 0-12820 (Commission File

June 14, 2022 EX-99.1

Investor Presentation.

Exhibit 99.1

June 14, 2022 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) June 14, 2022 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia 0-12820 54-1284688 (State or other jurisdiction of incorporation) (Commi

May 20, 2022 8-K

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 17, 2022 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia (State or other jurisdiction of incorporation) 0-12820 (Commission File

May 18, 2022 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 17, 2022 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia (State or other jurisdiction of incorporation) 0-12820 (Commission File

May 18, 2022 EX-99.1

May 17, 2022

Date: May 17, 2022 Contact: Jeffrey W. Farrar, Chief Operating and Chief Financial Officer 434-773-2274 [email protected] Traded: Nasdaq Global Select Market Symbol: AMNB AMERICAN NATIONAL BANKSHARES INC. ANNOUNCES QUARTERLY CASH DIVIDEND Danville, VA ? American National Bankshares Inc. (NASDAQ: AMNB), parent company of American National Bank and Trust Company, announced its Board of Directors has

May 9, 2022 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2022 ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 0-12820 AMERICA

April 22, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) April 21, 2022 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia 0-12820 54-1284688 (State or other jurisdiction of incorporation) (Comm

April 22, 2022 EX-99.1

AMERICAN NATIONAL BANKSHARES REPORTS FIRST QUARTER EARNINGS

Exhibit 99.1 FOR IMMEDIATE RELEASE Contact: Jeffrey W. Farrar Executive Vice President, COO & CFO (434)773-2274 [email protected] AMERICAN NATIONAL BANKSHARES REPORTS FIRST QUARTER EARNINGS Danville, VA, April 21, 2022 ? American National Bankshares Inc. (NASDAQ: AMNB) (?American National? or the ?Company?) today reported first quarter 2022 earnings of $9.0 million, or $0.84 per diluted common shar

April 4, 2022 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (RULE 14A-101) Schedule 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (RULE 14A-101) Schedule 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (a

March 14, 2022 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☑ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 ☐ TRANSITION REPORT PURSUANT TO SECTI

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ? ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 or ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 0-12820 AMERICAN NATIONAL BANKSHARES

March 14, 2022 EX-10.6

Employment Agreement, dated January 1, 2022, by and between American National Bank and Trust Company and Alexander Jung

Exhibit 10.6 EMPLOYMENT AGREEMENT This Employment Agreement (this ?Agreement?) is dated as of January 1, 2022, by and between American National Bank and Trust Company, a national banking association (the ?Bank?), and Alexander Jung (?you?). The parties, intending to be legally bound, agree as follows: 1. Employment and Acceptance. You shall be employed as Executive Vice President and Co-Head of Ba

March 14, 2022 EX-10.14

Adoption Agreement for the RestatedVirginia Bankers Association Non-Qualified Deferred Compensation Plan for Executives of American National Bank and Trust Company, effective January 1, 2020

Exhibit 10.14 NON-QUALIFIED DEFERRED COMPENSATION PLAN FOR EXECUTIVES (As Restated Effective January 1, 2018) ADOPTION AGREEMENT (Updated Form January 1, 2020) This Adoption Agreement is the companion document that allows an employer to sponsor and adopt the Virginia Bankers Association Model Non-Qualified Deferred Compensation Plan for Executives (the ?Plan?). Each Employer named below hereby ado

March 14, 2022 EX-10.5

Amended and Restated Employment Agreement, dated January 1, 2022, by and between American National Bank and Trust Company and Rhonda P. Joyce

Exhibit 10.5 AMENDED AND RESTATED EMPLOYMENT AGREEMENT This Amended and Restated Employment Agreement (this ?Agreement?) is dated as of January 1, 2022, by and between American National Bank and Trust Company, a national banking association (the ?Bank?), and Rhonda P. Joyce (?you?). The parties, intending to be legally bound, agree as follows: 1. Employment and Acceptance. You shall be employed as

March 14, 2022 EX-4.1

Description of American National Bankshares Inc.'s Securities

Exhibit 4.1 DESCRIPTION OF AMERICAN NATIONAL BANKSHARES INC.?S SECURITIES As of December 31, 2021, the common stock of American National Bankshares Inc. ("American National") was the only class of its securities registered under Section 12 of the Securities Exchange Act of 1934. The following summary description of the material features of the common stock of American National does not purport to

March 14, 2022 EX-10.7

Amended and Restated Employment Agreement, dated January 1, 2022, by and between American National Bank and Trust Company and Charles T. Canaday, Jr.

Exhibit 10.7 AMENDED AND RESTATED EMPLOYMENT AGREEMENT This Amended and Restated Employment Agreement (this ?Agreement?) is dated as of January 1, 2022, by and between American National Bank and Trust Company, a national banking association (the ?Bank?), and Charles T. Canaday, Jr. (?you?). The parties, intending to be legally bound, agree as follows: 1. Employment and Acceptance. You shall be emp

March 14, 2022 EX-21.1

Subsidiaries of the registrant

Exhibit 21.1 Subsidiaries of the Registrant Registrant: American National Bankshares Inc. Incorporated under the laws of the Commonwealth of Virginia Subsidiaries of American National Bankshares Inc.: American National Bank and Trust Company Chartered under the laws of the United States AMNB Statutory Trust I, A Delaware Statutory Trust MidCarolina Trust I, A Delaware Statutory Trust MidCarolina T

March 14, 2022 EX-10.12

Restated Virginia Bankers Association Non-Qualified Deferred Compensation Plan for Executives of American National Bank and Trust Company, as restated effective January 1, 2017

Exhibit 10.12 VIRGINIA BANKERS ASSOCIATION MODEL NON-QUALIFIED DEFERRED COMPENSATION PLAN FOR EXECUTIVES (As Restated Effective January 1, 2017) TABLE OF CONTENTS Page ARTICLE I Definition of Terms 1.1 Act 1 1.2 Administrator 1 1.3 Adoption Agreement 1 1.4 Affiliate 1 1.5 Beneficiary 2 1.6 Benefit Commencement Date 2 1.7 Board 2 1.8 Change in Control 2 1.9 Code 2 1.10 Compensation 2 1.11 Deferral

March 14, 2022 EX-10.13

162(m) Amendment to the Restated Virginia Bankers Association Non-Qualified Deferred Compensation Plan for Executives of American National Bank and Trust Company, as restated effective January 1, 2018

Exhibit 10.13 MODEL NON-QUALIFIED DEFERRED COMPENSATION PLAN FOR EXECUTIVES (As Restated Effective January 1, 2018) 162(M) AMENDMENT The VBA Benefits Corporation, pursuant to its delegated authority from the Plan Sponsor (as defined in the applicable Adoption Agreement), has the authority to adopt amendments to the Virginia Bankers Association Model Non-Qualified Deferred Compensation Plan for Exe

March 7, 2022 EX-10.2

Amended and Restated Employment Agreement, dated March 1, 2022, by and among American National Bankshares Inc., American National Bank and Trust Company, and Jeffrey W. Farrar

Exhibit 10.2 AMENDED AND RESTATED EMPLOYMENT AGREEMENT This Amended and Restated Employment Agreement (this ?Agreement?) is dated as of March 1, 2022, by and among American National Bankshares Inc., a Virginia corporation (the ?Company?), American National Bank and Trust Company, a national banking association (the ?Bank?), and Jeffrey W. Farrar (?you?). The parties, intending to be legally bound,

March 7, 2022 EX-10.3

Amended and Restated Employment Agreement, dated March 1, 2022, by and among American National Bankshares Inc., American National Bank and Trust Company, and Edward C. Martin

Exhibit 10.3 AMENDED AND RESTATED EMPLOYMENT AGREEMENT This Amended and Restated Employment Agreement (this ?Agreement?) is dated as of March 1, 2022, by and among American National Bankshares Inc., a Virginia corporation (the ?Company?), American National Bank and Trust Company, a national banking association (the ?Bank?), and Edward C. Martin (?you?). The parties, intending to be legally bound,

March 7, 2022 EX-10.1

Amended and Restated Employment Agreement, dated March 1, 2022, by and among American National Bankshares Inc., American National Bank and Trust Company, and Jeffrey V. Haley

Exhibit 10.1 AMENDED AND RESTATED EMPLOYMENT AGREEMENT This Amended and Restated Employment Agreement (this ?Agreement?) is dated as of March 1, 2022, by and among American National Bankshares Inc., a Virginia corporation (the ?Company?), American National Bank and Trust Company, a national banking association (the ?Bank?), and Jeffrey V. Haley (?you?). The parties, intending to be legally bound,

March 7, 2022 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 1, 2022 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia (State or other jurisdiction of incorporation) 0-12820 (Commission File

February 16, 2022 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 15, 2022 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia (State or other jurisdiction of incorporation) 0-12820 (Commission

February 16, 2022 EX-99.1

February 15, 2022

Exhibit 99.1 Date: February 15, 2022 Contact: Jeffrey W. Farrar, Chief Operating and Chief Financial Officer 434-773-2274 [email protected] Traded: Nasdaq Global Select Market Symbol: AMNB AMERICAN NATIONAL BANKSHARES INC. ANNOUNCES QUARTERLY CASH DIVIDEND Danville, VA ? American National Bankshares Inc. (NASDAQ: AMNB), parent company of American National Bank and Trust Company, announced its Board

January 25, 2022 EX-99.1

AMERICAN NATIONAL BANKSHARES REPORTS FOURTH QUARTER AND FULL YEAR 2021 EARNINGS

Exhibit 99.1 FOR IMMEDIATE RELEASE Contact: Jeffrey W. Farrar Executive Vice President, COO & CFO (434)773-2274 [email protected] AMERICAN NATIONAL BANKSHARES REPORTS FOURTH QUARTER AND FULL YEAR 2021 EARNINGS Danville, VA, January 20, 2022 ? American National Bankshares Inc. (NASDAQ: AMNB) (?American National? or the ?Company?) today reported fourth quarter 2021 earnings of $11.3 million, or $1.05

January 25, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) January 20, 2022 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia 0-12820 54-1284688 (State or other jurisdiction of incorporation) (Co

January 21, 2022 EX-99.1

AMERICAN NATIONAL BANKSHARES INC. ANNOUNCES SHARE REPURCHASE AUTHORIZATION

Date: January 20, 2022 Contact: Jeffrey W. Farrar, Chief Operating and Chief Financial Officer 434-773-2274 [email protected] Traded: Nasdaq Global Select Market Symbol: AMNB AMERICAN NATIONAL BANKSHARES INC. ANNOUNCES SHARE REPURCHASE AUTHORIZATION Danville, VA - American National Bankshares Inc. (?the Company?) (NASDAQ: AMNB), parent company of American National Bank and Trust Company, today anno

January 21, 2022 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 20, 2022 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia (State or other jurisdiction of incorporation) 0-12820 (Commission F

November 9, 2021 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2021 ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 0-12820 AME

October 21, 2021 EX-99.1

AMERICAN NATIONAL BANKSHARES REPORTS THIRD QUARTER EARNINGS

Exhibit 99.1 FOR IMMEDIATE RELEASE Contact: Jeffrey W. Farrar Executive Vice President, COO & CFO (434)773-2274 [email protected] AMERICAN NATIONAL BANKSHARES REPORTS THIRD QUARTER EARNINGS Danville, VA, October 21, 2021 ? American National Bankshares Inc. (NASDAQ: AMNB) (?American National? or the ?Company?) today reported third quarter 2021 earnings of $10.2 million, or $0.94 per diluted common s

October 21, 2021 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) October 21, 2021 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia 0-12820 54-1284688 (State or other jurisdiction of incorporation) (Co

October 5, 2021 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 5, 2021 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia (State or other jurisdiction of incorporation) 0-12820 (Commission Fi

October 5, 2021 EX-99.1

American National Bankshares Inc. Announces Leadership Changes

Exhibit 99.1 American National Bankshares Inc. Announces Leadership Changes For more information, contact: Jeffrey V. Haley President & Chief Executive Officer American National Bankshares Inc. [email protected] 434.773.2259 FOR IMMEDIATE RELEASE: DANVILLE, VA, October 5, 2021 ? American National Bankshares Inc. (NASDAQ: AMNB) (?American National? or the ?Company?), parent company of American Nation

August 6, 2021 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2021 ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 0-12820 AMERICAN

July 30, 2021 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) July 29, 2021 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia 0-12820 54-1284688 (State or other jurisdiction of incorporation) (Commi

July 30, 2021 EX-99.1

Investor Presentation.

EX-99.1 2 ex269410.htm EXHIBIT 99.1 Exhibit 99.1

July 23, 2021 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) July 22, 2021 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia 0-12820 54-1284688 (State or other jurisdiction of incorporation) (Commi

July 23, 2021 EX-99.1

AMERICAN NATIONAL BANKSHARES REPORTS SECOND QUARTER EARNINGS OF $10.8 MILLION ($.99 PER SHARE)

Exhibit 99.1 FOR IMMEDIATE RELEASE Contact: Jeffrey W. Farrar Executive Vice President, COO & CFO (434)773-2274 [email protected] AMERICAN NATIONAL BANKSHARES REPORTS SECOND QUARTER EARNINGS OF $10.8 MILLION ($.99 PER SHARE) Danville, VA, July 22, 2021 ? American National Bankshares Inc. (NASDAQ: AMNB) (?American National? or the ?Company?) today reported second quarter 2021 earnings of $10.8 milli

July 22, 2021 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 21, 2021 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia (State or other jurisdiction of incorporation) 0-12820 (Commission File

July 22, 2021 EX-99.1

July 21, 2021

Exhibit 99.1 Date: July 21, 2021 Contact: Jeffrey W. Farrar, Chief Operating and Chief Financial Officer 434-773-2274 [email protected] Traded: Nasdaq Global Select Market Symbol: AMNB AMERICAN NATIONAL BANKSHARES INC. DECLARES QUARTERLY DIVIDEND Danville, VA ? American National Bankshares Inc. (NASDAQ: AMNB), parent company of American National Bank and Trust Company, announced its Board of Direct

May 28, 2021 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) May 28, 2021 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia 0-12820 54-1284688 (State or other jurisdiction of incorporation) (Commis

May 28, 2021 EX-99.1

Investor Presentation.

EX-99.1 2 ex254132.htm EXHIBIT 99.1 Exhibit 99.1

May 21, 2021 8-K

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) May 18, 2021 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia 0-12820 54-1284688 (State or other jurisdiction of incorporation) (Commis

May 18, 2021 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 18, 2021 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia (State or other jurisdiction of incorporation) 0-12820 (Commission File

May 18, 2021 EX-99.1

May 18, 2021

Date: May 18, 2021 Contact: Jeffrey W. Farrar, Chief Operating and Financial Officer 434-773-2274 [email protected] Traded: Nasdaq Global Select Market Symbol: AMNB AMERICAN NATIONAL BANKSHARES INC. DECLARES QUARTERLY DIVIDEND Danville, VA ? American National Bankshares Inc. (NASDAQ: AMNB), parent company of American National Bank and Trust Company, announced its Board of Directors has declared a q

May 7, 2021 10-Q

Quarterly Report - FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2021 ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 0-12820 AMERICA

April 26, 2021 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) April 22, 2021 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia 0-12820 54-1284688 (State or other jurisdiction of incorporation) (Comm

April 26, 2021 EX-99.1

AMERICAN NATIONAL BANKSHARES REPORTS FIRST QUARTER EARNINGS

EX-99.1 2 ex237502.htm EXHIBIT 99.1 Exhibit 99.1 FOR IMMEDIATE RELEASE Contact: Jeffrey W. Farrar Executive Vice President, COO & CFO (434)773-2274 [email protected] AMERICAN NATIONAL BANKSHARES REPORTS FIRST QUARTER EARNINGS Danville, VA, April 22, 2021 – American National Bankshares Inc. (NASDAQ: AMNB) (“American National” or the “Company”) today reported first quarter 2021 earnings of $11.3 mill

April 6, 2021 DEF 14A

- FORM DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ? Filed by a Party other than the Registrant ? Check the appropriate box: ? Preliminary Proxy Statement ? Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)

March 8, 2021 EX-10.6

Employment Agreement between American National Bank and Trust Company, and Charles T. Canaday, Jr., dated March 27, 2014

EX-10.6 3 ex229454.htm EXHIBIT 10.6 Exhibit 10.6 EMPLOYMENT AGREEMENT This EMPLOYMENT AGREEMENT (the "Agreement"), effective as of March 27, 2014 (the "Effective Date"), by and between AMERICAN NATIONAL BANK AND TRUST COMPANY (the "Company"), a national banking association with its principal office at 628 Main Street, Danville, VA 24543-0191 and CHARLES T. CANADAY, JR., ("Executive"). WHEREAS, the

March 8, 2021 EX-21.1

Subsidiaries of the registrant

Exhibit 21.1 Subsidiaries of the Registrant Registrant: American National Bankshares Inc. Incorporated under the laws of the Commonwealth of Virginia Subsidiaries of American National Bankshares Inc.: American National Bank and Trust Company Chartered under the laws of the United States AMNB Statutory Trust I, A Delaware Statutory Trust MidCarolina Trust I, A Delaware Statutory Trust MidCarolina T

March 8, 2021 10-K

Annual Report - FORM 10-K

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ? ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2020 or ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 0-12820 AMERICAN N

March 8, 2021 EX-10.7

Executive Severance Agreement between American National Bankshares Inc., American National Bank and Trust Company, and Charles T. Canaday, Jr. dated December 15, 2010, as amended March 27, 2014

Exhibit 10.7 EXECUTIVE SEVERANCE AGREEMENT THIS EXECUTIVE SEVERANCE AGREEMENT, dated as of December 15, 2010 (the ?Agreement?), is among AMERICAN NATIONAL BANKSHARES INC., a Virginia corporation (the ?Parent?), AMERICAN NATIONAL BANK AND TRUST COMPANY, a national banking association (the ?Company?), and CHARLES T. CANADAY, JR. (?Executive?). WHEREAS, the Parent and MidCarolina Financial Corporatio

March 8, 2021 EX-4.1

Description of American National Bankshares Inc.’s Securities

EX-4.1 2 ex229453.htm EXHIBIT 4.1 Exhibit 4.1 DESCRIPTION OF AMERICAN NATIONAL BANKSHARES INC.’S SECURITIES As of December 31, 2020, the common stock of American National Bankshares Inc. (“American National”) was the only class of its securities registered under Section 12 of the Securities Exchange Act of 1934. The following summary description of the material features of the common stock of Amer

March 3, 2021 CORRESP

AMERICAN NATIONAL BANKSHARES INC. March 3, 2021

AMERICAN NATIONAL BANKSHARES INC. March 3, 2021 BY EDGAR TRANSMISSION Division of Corporation Finance Securities and Exchange Commission 100 F Street, NE Washington, D.C. 20549 Attention: Ms. Jessica Livingston Re: American National Bankshares Inc. Registration Statement on Form S-3 File No. 333-253443 Dear Ms. Livingston: Pursuant to Rule 461 under the Securities Act of 1933, as amended (the ?Sec

February 24, 2021 EX-4.7

Form of Subordinated Debt Securities Indenture.

Exhibit 4.7 AMERICAN NATIONAL BANKSHARES INC. Issuer and [ ] Trustee SUBORDINATED INDENTURE Dated as of [ ], 20[ ] Subordinated Debt Securities TABLE OF CONTENTS Page ARTICLE ONE DEFINITIONS AND OTHER PROVISIONS OF GENERAL APPLICATION Section 1.01 Definitions 1 Section 1.02 Compliance Certificates and Opinions 7 Section 1.03 Form of Documents Delivered to Trustee 8 Section 1.04 Acts of Holders 8 S

February 24, 2021 S-3

- S-3

As filed with the Securities and Exchange Commission on February 24, 2021 Registration No.

February 24, 2021 EX-4.5

Form of Senior Debt Securities Indenture.

Exhibit 4.5 AMERICAN NATIONAL BANKSHARES INC. Issuer and [ ] Trustee SENIOR INDENTURE Dated as of [ ], 20[ ] Senior Debt Securities TABLE OF CONTENTS Page ARTICLE ONE DEFINITIONS AND OTHER PROVISIONS OF GENERAL APPLICATION Section 1.01 Definitions 1 Section 1.02 Compliance Certificates and Opinions 7 Section 1.03 Form of Documents Delivered to Trustee 8 Section 1.04 Acts of Holders 8 Section 1.05

February 16, 2021 EX-99.1

February 16, 2021

EX-99.1 2 ex226874.htm EXHIBIT 99.1 EXHIBIT 99.1 Date: February 16, 2021 Contact: Jeffrey W. Farrar, Chief Operating and Financial Officer 434-773-2274 [email protected] Traded: Nasdaq Global Select Market Symbol: AMNB AMERICAN NATIONAL BANKSHARES Inc. DECLARES Quarterly Dividend Danville, VA – American National Bankshares Inc. (NASDAQ: AMNB), parent company of American National Bank and Trust Comp

February 16, 2021 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 16, 2021 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia (State or other jurisdiction of incorporation) 0-12820 (Commission

January 26, 2021 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits - FORM 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) January 21, 2021 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia 0-12820 54-1284688 (State or other jurisdiction of incorporation) (Co

January 26, 2021 EX-10.1

Amendment to Employment Agreement between American National Bankshares Inc. and H. Gregg Strader, dated January 21, 2021

EX-10.1 2 ex222461.htm EXHIBIT 10.1 EXHIBIT 10.1 AMENDMENT TO EMPLOYMENT AGREEMENT This Amendment to Employment Agreement (this “Amendment”), dated as of January 21, 2021, is made to the Employment Agreement (the “Original Agreement”), dated as of March 2, 2015, by and between American National Bankshares Inc., a Virginia corporation, and Hunter Gregg Strader. The parties to the Original Agreement

January 21, 2021 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) January 21, 2021 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia 0-12820 54-1284688 (State or other jurisdiction of incorporation) (Co

January 21, 2021 EX-99.1

AMERICAN NATIONAL BANKSHARES REPORTS FOURTH QUARTER AND FULL YEAR 2020 EARNINGS

Exhibit 99.1 FOR IMMEDIATE RELEASE Contact: Jeffrey W. Farrar Executive Vice President, COO & CFO (434)773-2274 [email protected] AMERICAN NATIONAL BANKSHARES REPORTS FOURTH QUARTER AND FULL YEAR 2020 EARNINGS Danville, VA, January 21, 2021 – American National Bankshares Inc. (NASDAQ: AMNB) (“American National” or the “Company”) today reported fourth quarter 2020 earnings of $8.8 million, or $0.80

January 12, 2021 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 11, 2021 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia (State or other jurisdiction of incorporation) 0-12820 (Commission F

January 12, 2021 EX-99.1

American National Bank and Trust Company Opens Raleigh Location

EX-99.1 2 ex220584.htm EXHIBIT 99.1 Exhibit 99.1 American National Bank and Trust Company Opens Raleigh Location For more information, contact: Carolyn B. Kiser SVP, Director of Marketing & Community Affairs American National Bankshares Inc. [email protected] 540.278.1703 FOR IMMEDIATE RELEASE: January 12, 2021 RALEIGH, NC – American National Bank and Trust Company has opened its Raleigh office at 3

January 12, 2021 EX-99.1

AMERICAN NATIONAL BANKSHARES Inc. ANNOUNCES SHARE REPURCHASE AUTHORIZATION

Exhibit 99.1 Date: January 11, 2021 Contact: Jeffrey W. Farrar, Chief Financial Officer / Chief Operating Officer 434-773-2274 [email protected] Traded: NASDAQ Global Select Market Symbol: AMNB AMERICAN NATIONAL BANKSHARES Inc. ANNOUNCES SHARE REPURCHASE AUTHORIZATION Danville, VA - American National Bankshares Inc. (“American National”) (NASDAQ: AMNB), parent company of American National Bank and

January 12, 2021 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 12, 2021 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia (State or other jurisdiction of incorporation) 0-12820 (Commission F

November 17, 2020 EX-99.1

November 17, 2020

EX-99.1 2 ex214645.htm EXHIBIT 99.1 Date: November 17, 2020 Contact: Jeffrey W. Farrar, Chief Operating and Financial Officer 434-773-2274 [email protected] Traded: Nasdaq Global Select Market Symbol: AMNB AMERICAN NATIONAL BANKSHARES Inc. DECLARES Quarterly Dividend Danville, VA – American National Bankshares Inc. (NASDAQ: AMNB), parent company of American National Bank and Trust Company, announce

November 17, 2020 8-K

Financial Statements and Exhibits, Other Events - FORM 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 17, 2020 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia (State or other jurisdiction of incorporation) 0-12820 (Commission

November 5, 2020 10-Q

Quarterly Report - FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2020 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 0-12820 AME

October 23, 2020 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition - FORM 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) October 22, 2020 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia 0-12820 54-1284688 (State or other jurisdiction of incorporation) (Co

October 23, 2020 EX-99.1

AMERICAN NATIONAL BANKSHARES REPORTS THIRD QUARTER EARNINGS

Exhibit 99.1 FOR IMMEDIATE RELEASE Contact: Jeffrey W. Farrar Executive Vice President, COO & CFO (434)773-2274 [email protected] AMERICAN NATIONAL BANKSHARES REPORTS THIRD QUARTER EARNINGS Danville, VA, October 22, 2020 – American National Bankshares Inc. (NASDAQ: AMNB) (“American National” or the “Company”) today reported third quarter 2020 earnings of $7.2 million, or $0.66 per diluted common sh

August 12, 2020 EX-99.1

American National Bankshares Inc. Announces New Chief Administrative Officer and New Chief Credit Officer

Exhibit 99.1 American National Bankshares Inc. Announces New Chief Administrative Officer and New Chief Credit Officer For more information, contact: Jeffrey V. Haley President & Chief Executive Officer American National Bankshares Inc. [email protected] 434.773.2259 FOR IMMEDIATE RELEASE: DANVILLE, VA, August 12, 2020 – American National Bankshares Inc. (NASDAQ: AMNB), parent company (the Company)

August 12, 2020 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 12, 2020 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia (State or other jurisdiction of incorporation) 0-12820 (Commission Fi

August 6, 2020 10-Q

Quarterly Report - FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2020 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 0-12820 AMERICAN

July 23, 2020 EX-99.1

AMERICAN NATIONAL BANKSHARES REPORTS SECOND QUARTER EARNINGS

FOR IMMEDIATE RELEASE Contact: Jeffrey W. Farrar Executive Vice President, COO & CFO (434)773-2274 [email protected] AMERICAN NATIONAL BANKSHARES REPORTS SECOND QUARTER EARNINGS Danville, VA, July 23, 2020 – American National Bankshares Inc. (NASDAQ: AMNB) (“American National” or the “Company”) today reported second quarter 2020 earnings of $5.5 million, or $0.50 per diluted common share. Those res

July 23, 2020 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) July 22, 2020 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia 0-12820 54-1284688 (State or other jurisdiction of incorporation) (Commi

July 23, 2020 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) July 23, 2020 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia 0-12820 54-1284688 (State or other jurisdiction of incorporation) (Commi

July 23, 2020 EX-99.1

July 22, 2020

Date: July 22, 2020 Contact: Jeffrey W. Farrar, Chief Operating and Financial Officer 434-773-2274 [email protected] Traded: Nasdaq Global Select Market Symbol: AMNB AMERICAN NATIONAL BANKSHARES Inc. DECLARES Quarterly Dividend Danville, VA – American National Bankshares Inc. (NASDAQ: AMNB), parent company of American National Bank and Trust Company, announced its Board of Directors has declared a

May 21, 2020 EX-3.2

Bylaws, as amended

BYLAWS OF AMERICAN NATIONAL BANKSHARES INC. ARTICLE I MEETING OF SHAREHOLDERS Section 1.1. Annual Meeting. a) The regular annual meeting of the shareholders of the Company for the election of directors and for the transaction of such other business as may properly come before it shall be held at the principal office of the Company in Danville, Virginia, or at such other place as the Board of Direc

May 21, 2020 8-K

Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year, Financial Statements and Exhibits, Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) May 19, 2020 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia 0-12820 54-1284688 (State or other jurisdiction of incorporation) (Commis

May 19, 2020 EX-99.1

May 19, 2020

Date: May 19, 2020 Contact: Jeffrey W. Farrar, Chief Operating and Financial Officer 434-773-2274 [email protected] Traded: Nasdaq Global Select Market Symbol: AMNB AMERICAN NATIONAL BANKSHARES Inc. DECLARES Quarterly Dividend Danville, VA – American National Bankshares Inc. (NASDAQ: AMNB), parent company of American National Bank and Trust Company, announced its Board of Directors has declared a q

May 19, 2020 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) May 19, 2020 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia 0-12820 54-1284688 (State or other jurisdiction of incorporation) (Commis

May 8, 2020 10-Q

Quarterly Report - FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2020 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 0-12820 AMERICA

April 23, 2020 EX-99.1

AMERICAN NATIONAL BANKSHARES REPORTS FIRST QUARTER EARNINGS

Exhibit 99.1 FOR IMMEDIATE RELEASE Contact: Jeffrey W. Farrar Executive Vice President, COO & CFO (434)773-2274 [email protected] AMERICAN NATIONAL BANKSHARES REPORTS FIRST QUARTER EARNINGS Danville, VA, April 23, 2020 – American National Bankshares Inc. (NASDAQ: AMNB) (“American National” or the “Company”) today reported first quarter 2020 earnings of $8.5 million, or $0.77 per diluted common shar

April 23, 2020 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) April 23, 2020 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia 0-12820 54-1284688 (State or other jurisdiction of incorporation) (Comm

April 8, 2020 DEF 14A

AMNB / American National Bankshares Inc. DEF 14A - - DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant x Filed by a Party other than the Registrant ¨ Check the appropriate box: ¨ Preliminary Proxy Statement ¨ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)

April 8, 2020 DEFA14A

AMNB / American National Bankshares Inc. DEFA14A - - DEFA14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant x Filed by a Party other than the Registrant ¨ Check the appropriate box: ¨ Preliminary Proxy Statement ¨ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)

March 9, 2020 EX-4.1

Description of American National Bankshares Inc.’s Securities

Exhibit 4.1 DESCRIPTION OF AMERICAN NATIONAL BANKSHARES INC.’S SECURITIES As of December 31, 2019, the common stock of American National Bankshares Inc. (“American National”) was the only class of its securities registered under Section 12 of the Securities Exchange Act of 1934. The following summary description of the material features of the common stock of American National does not purport to

March 9, 2020 EX-21.1

Subsidiaries of the registrant

Exhibit 21.1 Subsidiaries of the Registrant Registrant: American National Bankshares Inc. Incorporated under the laws of the Commonwealth of Virginia Subsidiaries of American National Bankshares Inc.: American National Bank and Trust Company Chartered under the laws of the United States AMNB Statutory Trust I, A Delaware Statutory Trust MidCarolina Trust I, A Delaware Statutory Trust MidCarolina T

March 9, 2020 10-K

AMNB / American National Bankshares Inc. 10-K - Annual Report - 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2019 Commission file number 0-12820 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia 54-1284688 (State of incorporation) (I.R.S. Employer Identif

February 18, 2020 EX-99.1

1

EX-99.1 2 dividendreleaseq12020.htm EXHIBIT 99.1 Date: February 18, 2020 Contact: Jeffrey W. Farrar, Chief Operating and Financial Officer 434-773-2274 [email protected] Traded: Nasdaq Global Select Market Symbol: AMNB AMERICAN NATIONAL BANKSHARES INC. DECLARES QUARTERLY DIVIDEND Danville, VA – American National Bankshares Inc. (NASDAQ: AMNB), parent company of American National Bank and Trust Comp

February 18, 2020 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) February 18, 2020 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia 0-12820 54-1284688 (State or other jurisdiction of incorporation) (C

January 23, 2020 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) January 23, 2020 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia 0-12820 54-1284688 (State or other jurisdiction of incorporation) (Co

January 23, 2020 EX-99.1

AMERICAN NATIONAL BANKSHARES REPORTS FOURTH QUARTER EARNINGS

Exhibit 99.1 FOR IMMEDIATE RELEASE Contact: Jeffrey W. Farrar Executive Vice President, COO & CFO (434)773-2274 [email protected] AMERICAN NATIONAL BANKSHARES REPORTS FOURTH QUARTER EARNINGS Danville, VA, January 23, 2020 - American National Bankshares Inc. (NASDAQ: AMNB) (“American National” or “the Company”) today reported fourth quarter 2019 earnings of $7.4 million or $0.67 per diluted common s

January 15, 2020 EX-99.1

American National Bankshares Inc. Announces the Hiring of Cynthia Vogler as New Market President

American National Bankshares Inc. Announces the Hiring of Cynthia Vogler as New Market President For more information, contact: Jeffrey V. Haley Carolyn B. Kiser President & Chief Executive Officer SVP, Director of Marketing & Community Affairs American National Bankshares Inc. American National Bank & Trust Company [email protected] [email protected] 434.773.2259 540.278.1703 FOR IMMEDIATE RELEASE: D

January 15, 2020 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 15, 2020 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia 0-12820 54-1284688 (State or other jurisdiction of incorporation) (C

December 30, 2019 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 16, 2019 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia 0-12820 54-1284688 (State or other jurisdiction of incorporation) (

December 20, 2019 EX-99.1

American National Bankshares Inc. Announces New Executive Vice President of Holding Company

Exhibit 99.1 American National Bankshares Inc. Announces New Executive Vice President of Holding Company For more information, contact: Jeffrey V. Haley President & Chief Executive Officer American National Bankshares Inc. [email protected] 434.773.2259 FOR IMMEDIATE RELEASE: DANVILLE, VA, 12/20/19 - American National Bankshares Inc. (NASDAQ: AMNB) announced today the appointment of Edward C. Martin

December 20, 2019 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 20, 2019 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia 0-12820 54-1284688 (State or other jurisdiction of incorporation) (

December 19, 2019 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 19, 2019 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia 0-12820 54-1284688 (State or other jurisdiction of incorporation) (

December 19, 2019 EX-99.1

AMERICAN NATIONAL BANKSHARES INC. ANNOUNCES SHARE REPURCHASE AUTHORIZATION

Exhibit 99.1 Date: December 19, 2019 Contact: Jeffrey W. Farrar, Chief Financial Officer / Chief Operating Officer 434-773-2274 [email protected] Traded: NASDAQ Global Select Market Symbol: AMNB AMERICAN NATIONAL BANKSHARES INC. ANNOUNCES SHARE REPURCHASE AUTHORIZATION Danville, VA - American National Bankshares Inc. (“American National”) (NASDAQ: AMNB), parent company of American National Bank and

November 20, 2019 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 20, 2019 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia 0-12820 54-1284688 (State or other jurisdiction of incorporation) (

November 20, 2019 EX-99.1

1

Date: November 20, 2019 Contact: Jeffrey W. Farrar, Chief Operating and Financial Officer 434-773-2274 [email protected] Traded: Nasdaq Global Select Market Symbol: AMNB AMERICAN NATIONAL BANKSHARES INC. DECLARES QUARTERLY DIVIDEND Danville, VA – American National Bankshares Inc. (NASDAQ: AMNB), parent company of American National Bank and Trust Company, announced its Board of Directors has declare

November 12, 2019 10-Q

AMNB / American National Bankshares Inc. 10-Q - Quarterly Report - 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE QUARTERLY PERIOD ENDED September 30, 2019. o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE TRANSITION PERIOD FROM TO . Commission file number: 0-12820 AMERICAN NATIONAL

October 17, 2019 EX-99.1

For the quarter ended September 30, 2019 2018 Net Interest Income $ 948 $ 198 Income Before Income Taxes $ 500 $ 142 For the nine months ended September 30, 2019 2018 Net Interest Income $ 2,321 $ 1,002 Income Before Income Taxes $ 1,360 $ 792

EX-99.1 2 earningsreleaseq3-2019xfin.htm EXHIBIT 99.1 Date: October 17, 2019 Contact: William W. Traynham, Chief Financial Officer 434-773-2242 [email protected] Traded: NASDAQ Global Select Market Symbol: AMNB AMERICAN NATIONAL BANKSHARES INC. REPORTS THIRD QUARTER 2019 EARNINGS • Q3 2019 net income of $8.7 million and diluted EPS of $0.78 • Net interest margin of 3.75% for Q3 2019 • Average sha

October 17, 2019 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) October 17, 2019 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia 0-12820 54-1284688 (State or other jurisdiction of incorporation) (Co

October 16, 2019 EX-99.1

American National Bankshares Inc. Announces Medical Retirement of William W. Traynham as Chief Financial Officer; Appoints Jeffrey W. Farrar as Chief Financial Officer

American National Bankshares Inc. Announces Medical Retirement of William W. Traynham as Chief Financial Officer; Appoints Jeffrey W. Farrar as Chief Financial Officer For more information, contact: Jeffrey V. Haley President & Chief Executive Officer American National Bankshares Inc. [email protected] 434.773.2259 FOR IMMEDIATE RELEASE: DANVILLE, VA, October 16, 2019 – American National Bankshares

October 16, 2019 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 16, 2019 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia (State or other jurisdiction of incorporation) 0-12820 (Commission F

August 5, 2019 EX-10.1

Employment Agreement between American National Bankshares Inc. and Jeffrey W. Farrar dated August 5, 2019

Exhibit 10.1 EMPLOYMENT AGREEMENT This Employment Agreement (this “Agreement”) is dated as of August 5, 2019 by and between American National Bankshares Inc., a Virginia corporation (the “Company”), and Jeffrey W. Farrar. WHEREAS, you are a key executive of the Company; WHEREAS, the Company considers the availability of your services to be important to the management and conduct of the Company’s b

August 5, 2019 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 5, 2019 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia (State or other jurisdiction of incorporation) 0-12820 (Commission Fil

August 5, 2019 10-Q

AMNB / American National Bankshares Inc. 10-Q - Quarterly Report - 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE QUARTERLY PERIOD ENDED June 30, 2019. o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE TRANSITION PERIOD FROM TO . Commission file number: 0-12820 AMERICAN NATIONAL BANKS

July 29, 2019 EX-99.1

Progressive Growth. Regional Strength. Bright Future. July 2019 Experience and Solutions A Century of Experience and 21st Century Banking Solutions July 2019 Forward-Looking Statements Certain statements in this presentation may constitute “forward-l

q22019 Progressive Growth. Regional Strength. Bright Future. July 2019 Experience and Solutions A Century of Experience and 21st Century Banking Solutions July 2019 Forward-Looking Statements Certain statements in this presentation may constitute “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements are statements that i

July 29, 2019 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) July 29, 2019 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia 0-12820 54-1284688 (State or other jurisdiction of incorporation) (Commi

July 18, 2019 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) July 18, 2019 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia 0-12820 54-1284688 (State or other jurisdiction of incorporation) (Commi

July 18, 2019 EX-99.2

American National Bankshares Inc. Consolidated Balance Sheets (Dollars in thousands, except per share data) Unaudited June 30 ASSETS 2019 2018 Cash and due from banks $ 34,460 $ 24,042 Interest-bearing deposits in other banks 20,454 9,300 Equity secu

American National Bankshares Inc. Consolidated Balance Sheets (Dollars in thousands, except per share data) Unaudited June 30 ASSETS 2019 2018 Cash and due from banks $ 34,460 $ 24,042 Interest-bearing deposits in other banks 20,454 9,300 Equity securities, at fair value 125 2,177 Securities available for sale, at fair value 334,326 341,247 Restricted stock, at cost 7,796 5,463 Loans held for sale

July 18, 2019 EX-99.1

For the quarter ended June 30, 2019 2018 Net Interest Income $ 1,118 $ 377 Income Before Income Taxes $ 660 $ 300 For the six months ended June 30, 2019 2018 Net Interest Income $ 1,373 $ 804 Income Before Income Taxes $ 860 $ 650

EX-99.1 2 earningsreleaseq22019.htm EXHIBIT 99.1 Date: July 18, 2019 Contact: William W. Traynham, Chief Financial Officer 434-773-2242 [email protected] Traded: NASDAQ Global Select Market Symbol: AMNB AMERICAN NATIONAL BANKSHARES INC. REPORTS SECOND QUARTER 2019 EARNINGS AND THIRD QUARTER DIVIDEND INCREASE Merger with HomeTown Bankshares Corp. consummated April 1, 2019 • Merger related expense

July 8, 2019 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) July 8, 2019 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia 0-12820 54-1284688 (State or other jurisdiction of incorporation) (Commis

July 8, 2019 EX-99.1

Progressive Growth. Regional Strength. Bright Future. July 2019 Experience and Solutions A Century of Experience and 21st Century Banking Solutions July 2019 Forward-Looking Statements Certain statements in this presentation may constitute “forward-l

q12019rjjuly2019 Progressive Growth. Regional Strength. Bright Future. July 2019 Experience and Solutions A Century of Experience and 21st Century Banking Solutions July 2019 Forward-Looking Statements Certain statements in this presentation may constitute “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements are stateme

June 13, 2019 EX-99.2

UNAUDITED PRO FORMA CONDENSED COMBINED FINANCIAL INFORMATION

EX-99.2 Exhibit 99.2 UNAUDITED PRO FORMA CONDENSED COMBINED FINANCIAL INFORMATION The following unaudited pro forma condensed combined financial information is designed to show how the merger of American National Bankshares Inc. (“American”) and HomeTown Bankshares Corporation (“HomeTown”) might have affected historical financial statements if the merger had been completed at an earlier time and w

June 13, 2019 EX-99.1

Unobservable input

EX-99.1 Exhibit 99.1 HomeTown Bankshares Corporation Consolidated Balance Sheets December 31, 2018 and 2017 Dollars in Thousands, Except Share and Per Share Data December 31, 2018 December 31, 2017 Assets Cash and due from banks $ 22,771 $ 21,714 Federal funds sold 194 180 Securities available for sale, at fair value 44,976 55,344 Restricted equity securities, at cost 2,241 2,371 Loans held for sa

June 13, 2019 8-K/A

Financial Statements and Exhibits

8-K/A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K/A CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 1, 2019 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia 0-12820 54-1284688 (State or other jurisdiction of incorporatio

June 5, 2019 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 5, 2019 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia (State or other jurisdiction of incorporation) 0-12820 (Commission File

June 5, 2019 EX-99.1

American National Bankshares Inc. Names Jeffrey W. Farrar Executive Vice President & Chief Operating Officer

Exhibit 99.1 American National Bankshares Inc. Names Jeffrey W. Farrar Executive Vice President & Chief Operating Officer For more information, contact: Jeffrey V. Haley President & Chief Executive Officer American National Bankshares Inc. [email protected] 434.773.2259 FOR IMMEDIATE RELEASE: DANVILLE, VA, June 5, 2019 – American National Bankshares Inc. (NASDAQ: AMNB), parent company (the Company)

May 24, 2019 8-K

Other Events, Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) May 24, 2019 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia 0-12820 54-1284688 (State or other jurisdiction of incorporation) (Commis

May 24, 2019 8-K/A

Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K/A CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 21, 2019 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia 0-12820 54-1284688 (State or other jurisdiction of incorporation) (Com

May 21, 2019 EX-99.1

1

Date: May 21, 2019 Contact: William W. Traynham, Chief Financial Officer 434-773-2242 [email protected] Traded: Nasdaq Global Select Market Symbol: AMNB AMERICAN NATIONAL BANKSHARES INC. ANNOUNCES SECOND QUARTER 2019 DIVIDEND Danville, VA – American National Bankshares Inc. (NASDAQ: AMNB), parent company of American National Bank and Trust Company, announced its Board of Directors has declared a

May 21, 2019 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 21, 2019 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia 0-12820 54-1284688 (State or other jurisdiction of incorporation) (Commi

May 9, 2019 10-Q

AMNB / American National Bankshares Inc. 10-Q Quarterly Report 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE QUARTERLY PERIOD ENDED March 31, 2019. o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE TRANSITION PERIOD FROM TO . Commission file number: 0-12820 AMERICAN NATIONAL BANK

April 18, 2019 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) April 18, 2019 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia 0-12820 54-1284688 (State or other jurisdiction of incorporation) (Comm

April 18, 2019 EX-99.1

For the quarter ended March 31, 2019 2018 Net Interest Income $ 255 $ 427 Income Before Income Taxes $ 200 $ 350

Date: April 18, 2019 Contact: William W. Traynham, Chief Financial Officer 434-773-2242 [email protected] Traded: Nasdaq Global Select Market Symbol: AMNB AMERICAN NATIONAL BANKSHARES INC. REPORTS FIRST QUARTER 2019 EARNINGS • Q1 2019 net income of $6.0 million • Q1 2019 diluted EPS of $0.69 • Q1 2019 net interest margin of 3.50% • Q1 2019 average shareholders’ equity of $224.7 million is 12.06%

April 18, 2019 EX-99.2

American National Bankshares Inc. Consolidated Balance Sheets (Dollars in thousands, except per share data) Unaudited March 31 Assets 2019 2018 Cash and due from banks $ 28,912 $ 18,772 Interest-bearing deposits in other banks 41,949 57,881 Equity se

American National Bankshares Inc. Consolidated Balance Sheets (Dollars in thousands, except per share data) Unaudited March 31 Assets 2019 2018 Cash and due from banks $ 28,912 $ 18,772 Interest-bearing deposits in other banks 41,949 57,881 Equity securities, at fair value 2,069 2,320 Securities available for sale, at fair value 324,289 310,348 Restricted stock, at cost 5,299 5,221 Loans held for

April 16, 2019 DEF 14A

AMNB / American National Bankshares Inc. DEF 14A

AMERICAN NATIONAL BANKSHARES INC. 628 Main Street, Danville, Virginia 24541 Notice of Annual Meeting and Proxy Statement Annual Meeting of Shareholders To Be Held May 21, 2019 THIS PAGE INTENTIONALLY LEFT BLANK AMERICAN NATIONAL BANKSHARES INC. 628 Main Street, Danville, Virginia 24541 NOTICE OF ANNUAL MEETING OF SHAREHOLDERS To be held May 21, 2019 Notice is hereby given that the Annual Meeting o

April 4, 2019 EX-3.2

Bylaws, as amended

EX-3.2 Exhibit 3.2 BYLAWS OF AMERICAN NATIONAL BANKSHARES INC. (as amended March 19, 2019, effective April 1, 2019) ARTICLE I MEETING OF SHAREHOLDERS Section 1.1. Annual Meeting. (a) The regular annual meeting of the shareholders of the Company for the election of directors and for the transaction of such other business as may properly come before it shall be held at the principal office of the Co

April 4, 2019 EX-99.1

American National Bankshares Inc. Completes Merger with HomeTown Bankshares Corporation

EX-99.1 Exhibit 99.1 American National Bankshares Inc. Completes Merger with HomeTown Bankshares Corporation For more information, contact: Jeffrey V. Haley President & Chief Executive Officer American National Bankshares Inc. [email protected] 434.773.2259 FOR IMMEDIATE RELEASE: April 1, 2019 DANVILLE, VA – American National Bankshares Inc. (Nasdaq: AMNB – “American National”), headquartered in Dan

April 4, 2019 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant, Completion of Acquisition or Disposition of Assets

8-K 1 d731138d8k.htm 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 1, 2019 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia 0-12820 54-1284688 (State or other jurisdictio

April 1, 2019 EX-5.0

Consent of Williams Mullen (included in Exhibit 5.0).

EX-5.0 Exhibit 5.0 April 1, 2019 American National Bankshares Inc. 628 Main Street Danville, Virginia 24541 Ladies and Gentlemen: We have acted as special counsel to American National Bankshares Inc., a Virginia corporation (the “Company”), with respect to the Company’s Post-Effective Amendment No. 1 to Form S-4 on Form S-8 (the “Registration Statement”) to be filed by the Company with the Securit

April 1, 2019 S-8 POS

AMNB / American National Bankshares Inc. S-8 POS

S-8 POS As filed with the Securities and Exchange Commission on April 1, 2019 Registration No.

April 1, 2019 EX-4.0

HomeTown Bank 2005 Stock Option Plan

EX-4.0 Exhibit 4.0 HOMETOWN BANK 2005 STOCK OPTION PLAN Section 1 Purposes. The purposes of the HomeTown Bank 2005 Stock Option Plan (the “Plan”) are to encourage directors and selected key employees of HomeTown Bank (the “Bank”) to acquire a proprietary and vested interest in the growth and performance of the Bank, and to generate an increased incentive to contribute to the Bank’s future success

March 25, 2019 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) March 25, 2019 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia 0-12820 54-1284688 (State or other jurisdiction of incorporation) (Comm

March 25, 2019 EX-99.1

EXPERIENCE AND SOLUTIONS A Century of Experience and 21st Century Banking Solutions March 2019 Forward-Looking Statements Certain statements in this presentation may constitute “forward-looking statements” within the meaning of the Private Securities

amnbinvestorpresentation EXPERIENCE AND SOLUTIONS A Century of Experience and 21st Century Banking Solutions March 2019 Forward-Looking Statements Certain statements in this presentation may constitute “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995.

March 21, 2019 EX-99.1

Jeffrey V. Haley Susan K. Still President & Chief Executive Officer President & Chief Executive Officer American National Bankshares Inc. HomeTown Bankshares Corporation [email protected] [email protected] 434.773.2259 540.278.1705

Exhibit 99.1 American National Bankshares Inc. and HomeTown Bankshares Corporation Announce Shareholder Approvals for Proposed Merger For more information, contact: Jeffrey V. Haley Susan K. Still President & Chief Executive Officer President & Chief Executive Officer American National Bankshares Inc. HomeTown Bankshares Corporation [email protected] [email protected] 434.773.2259 540.278.1705

March 21, 2019 8-K

Financial Statements and Exhibits, Other Events, Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 19, 2019 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia 0-12820 54-1284688 (State or other jurisdiction of incorporation) (Com

March 8, 2019 EX-21.1

Subsidiaries of the registrant

Exhibit 21.1 Subsidiaries of the Registrant Registrant: American National Bankshares Inc. Incorporated under the laws of the Commonwealth of Virginia Subsidiaries of American National Bankshares Inc.: American National Bank and Trust Company Chartered under the laws of the United States AMNB Statutory Trust I, A Delaware Statutory Trust MidCarolina Trust I, A Delaware Statutory Trust MidCarolina T

March 8, 2019 10-K

AMNB / American National Bankshares Inc. 10-K (Annual Report)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2018 Commission file number 0-12820 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia 54-1284688 (State of incorporation) (I.R.S. Employer Identif

March 8, 2019 EX-10.8

Employment Agreement between American National Bank and Trust Company and John H. Settle, Jr. dated February 8, 2017

Exhibit 10.8 EMPLOYMENT AGREEMENT This Employment Agreement (this “Agreement”) is dated as of February 8, 2017, by and between American National Bank and Trust Company, a national banking association (the “Bank”), and John H. Settle, Jr. (“you”). WHEREAS, you are a key executive of the Bank; WHEREAS, the Bank considers the availability of your services to be important to the management and conduct

March 7, 2019 8-K

Financial Statements and Exhibits, Other Events

8-K 1 d711950d8k.htm FORM 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 7, 2019 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia 0-12820 54-1284688 (State or other jurisd

March 7, 2019 EX-99.1

American National Bankshares Inc. and HomeTown Bankshares Corporation Announce Regulatory Approvals for Proposed Merger

EX-99.1 Exhibit 99.1 American National Bankshares Inc. and HomeTown Bankshares Corporation Announce Regulatory Approvals for Proposed Merger For more information, contact: Jeffrey V. Haley Susan K. Still President & Chief Executive Officer President & Chief Executive Officer American National Bankshares Inc. HomeTown Bankshares Corporation [email protected] [email protected] 434.773.2259 540

March 7, 2019 EX-99.1

American National Bankshares Inc. and HomeTown Bankshares Corporation Announce Regulatory Approvals for Proposed Merger

EX-99.1 Exhibit 99.1 American National Bankshares Inc. and HomeTown Bankshares Corporation Announce Regulatory Approvals for Proposed Merger For more information, contact: Jeffrey V. Haley Susan K. Still President & Chief Executive Officer President & Chief Executive Officer American National Bankshares Inc. HomeTown Bankshares Corporation [email protected] [email protected] 434.773.2259 540

March 7, 2019 425

AMNB / American National Bankshares Inc. FORM 8-K (Prospectus)

425 1 d711950d8k.htm FORM 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 7, 2019 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia 0-12820 54-1284688 (State or other jurisd

February 19, 2019 EX-99.1

1

Date: February 19, 2019 Contact: William W. Traynham, Chief Financial Officer 434-773-2242 [email protected] Traded: NASDAQ Global Select Market Symbol: AMNB AMERICAN NATIONAL BANKSHARES INC. ANNOUNCES FIRST QUARTER 2019 DIVIDEND Danville, VA – American National Bankshares Inc. (NASDAQ: AMNB), parent company of American National Bank and Trust Company, announced its Board of Directors has declare

February 19, 2019 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 19, 2019 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia 0-12820 54-1284688 (State or other jurisdiction of incorporation) (

February 7, 2019 424B3

PROPOSED MERGER – YOUR VOTE IS VERY IMPORTANT

424B3 Table of Contents Filed Pursuant to Rule 424(b)(3) File Number 333-228810 PROPOSED MERGER – YOUR VOTE IS VERY IMPORTANT Dear Fellow Shareholders: The boards of directors of American National Bankshares Inc.

February 6, 2019 EX-10.1

Employment Agreement between American National Bank and Trust Company and Susan K. Still dated February 5, 2019

EX-10.1 2 d623694dex101.htm EX-10.1 Exhibit 10.1 EMPLOYMENT AGREEMENT THIS EMPLOYMENT AGREEMENT (the “Agreement”) is made as of February 5, 2019, by and between American National Bank and Trust Company, a national banking association (the “Bank”), and Susan K. Still (“Executive”). WHEREAS, American National Bankshares Inc., a Virginia corporation and the parent holding company of the Bank (“AMNB”)

February 6, 2019 EX-99.4

Form of proxy card of American National Bankshares Inc.*

EX-99.4 Exhibit 99.4 Your vote matters – here’s how to vote! You may vote online or by phone instead of mailing this card. Votes submitted electronically must be received by 1:00 a.m., Eastern Time, on March 19, 2019. Online Go to www.investorvote.com/AMNB or scan the QR code — login details are located in the shaded bar below. Phone Call toll free 1-800-652-VOTE (8683) within the USA, US territor

February 6, 2019 EX-99.5

Form of proxy card of HomeTown Bankshares Corporation.*

EX-99.5 Exhibit 99.5 HOMETOWN BANKSHARES CORP 202 SOUTH JEFFERSON STREET ROANOKE, VA 24011 VOTE BY INTERNET - www.proxyvote.com Use the Internet to transmit your voting instructions and for electronic delivery of information. Vote by 11:59 P.M. ET on 03/18/2019. Have your proxy card in hand when you access the web site and follow the instructions to obtain your records and to create an electronic

February 6, 2019 EX-10.2

Retention and Consulting Agreement between American National Bank and Vance W. Adkins.*

EX-10.2 Exhibit 10.2 RETENTION AND CONSULTING AGREEMENT THIS RETENTION AND CONSULTING AGREEMENT (the “Agreement”) is made as of February 5, 2019, by and between American National Bank and Trust Company, a national banking association (the “Bank”), and Vance W. Adkins (“you” or “your”). WHEREAS, American National Bankshares Inc., a Virginia corporation and the parent holding company of the Bank (“A

February 6, 2019 S-4/A

AMNB / American National Bankshares Inc. S-4/A

S-4/A Table of Contents As filed with the Securities and Exchange Commission on February 6, 2019 Registration No.

February 6, 2019 CORRESP

AMNB / American National Bankshares Inc.

CORRESP AMERICAN NATIONAL BANKSHARES INC. February 6, 2019 BY EDGAR TRANSMISSION Division of Corporation Finance Securities and Exchange Commission 100 F Street, NE Washington, D.C. 20549 Attention: Christopher Dunham Re: American National Bankshares Inc. Registration Statement on Form S-4 File No. 333-228810 Dear Mr. Dunham: Pursuant to Rule 461 under the Securities Act of 1933, as amended (the “

January 17, 2019 EX-99.2

American National Bankshares Inc. Consolidated Balance Sheets (Dollars in thousands, except per share data) Unaudited December 31 Assets 2018 2017 Cash and due from banks $ 29,587 $ 28,594 Interest-bearing deposits in other banks 34,668 23,883 Equity

American National Bankshares Inc. Consolidated Balance Sheets (Dollars in thousands, except per share data) Unaudited December 31 Assets 2018 2017 Cash and due from banks $ 29,587 $ 28,594 Interest-bearing deposits in other banks 34,668 23,883 Equity securities, at fair value 1,830 — Securities available for sale, at fair value 332,653 321,337 Restricted stock, at cost 5,247 6,110 Loans held for s

January 17, 2019 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) January 17, 2019 AMERICAN NATIONAL BANKSHARES INC. (Exact name of registrant as specified in its charter) Virginia 0-12820 54-1284688 (State or other jurisdiction of incorporation) (Co

January 17, 2019 EX-99.1

For the quarter ended December 31, 2018 2017 Net Interest Income $ 286 $ 529 Income Before Income Taxes $ 231 $ 449 For the year ended December 31, 2018 2017 Net Interest Income $ 1,288 $ 2,114 Income Before Income Taxes $ 1,023 $ 1,586

Date: January 17, 2019 Contact: William W. Traynham, Chief Financial Officer 434-773-2242 [email protected] Traded: Nasdaq Global Select Market Symbol: AMNB AMERICAN NATIONAL BANKSHARES INC. REPORTS FOURTH QUARTER 2018 EARNINGS • Q4 2018 annualized loan growth 8% • Q4 2018 net income of $5.0 million • 2018 net income $22.6 million • Q4 2018 net interest margin of 3.48% • Q4 2018 average sharehold

December 14, 2018 EX-99.2

Consent of Sandler O’Neill & Partners, L.P. *

EX-99.2 Exhibit 99.2 CONSENT OF SANDLER O’NEILL & PARTNERS, L.P. We hereby consent to the inclusion of our opinion letter to the Board of Directors of HomeTown Bankshares Corporation (the “Company”) as an Appendix to the Joint Proxy Statement/Prospectus relating to the proposed merger of the Company with American National Bankshares Inc. contained in the Registration Statement on Form S-4, as file

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