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Skyline National Bank

Independence, VA · Cert 6861 · Skyline Bankshares Inc.

National charter · OCC · 28 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=313 to 319). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

15

Q2 2024Q2 2026peer median (50)

Asset Quality

73

Q2 2024Q2 2026peer median (50)

Profitability

82

Q2 2024Q2 2026peer median (50)

Liquidity

57

Q2 2024Q2 2026peer median

Efficiency

54

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Skyline National Bank

Independence, VA · Cert 6861 · Skyline Bankshares Inc.

National charter · OCC · 28 branches

Q2 2026

$1.3BAssets
$1.1BLoans
$1.2BDeposits
$115.1MEquity
Loan mix
94%RE $1.0B5%C&I $0.1B1%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
69%Interest-bearing $809.5M31%Noninterest $371.0MQ2 2025Q2 2026

NIM

4.53%Q2 ’244.96%Q2 ’255.12%Q2 ’26+14%+9%

Non-interest income vs. expense

3.00%Q2 ’242.78%Q2 ’252.79%Q2 ’26-6%-2%

Market Position · Blacksburg-Christiansburg-Radford, VA · 2026 SOD (annual) · 5.1% share · #7 of 14 inst. · $0.2B of $4.6B

50.5% Floyd
75.5% Grayson
32.9% Carroll
33.9% Johnson

Executive Summary

  • Earnings: ROA of 1.51%, up 29 bps year over year; NIM at 4.15%.
  • Asset quality: problem loans at 0.34% of loans (+14 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 8.81%, up 70 bps from a year ago.
  • Funding: loans stand at 93.88% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.51%+29 bps YoY

Net Interest Margin (YTD, annualized)

4.15%+33 bps YoY

Efficiency Ratio (YTD, annualized)

57.97%-448 bps YoY

Tier 1 Leverage Ratio

8.81%+70 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.21%1.24%1.29%1.45%1.51%+29 bps
Return on Equity15.81%16.07%16.40%17.36%17.83%+202 bps
Net Interest Margin3.81%3.81%3.86%4.13%4.15%+33 bps
Efficiency Ratio62.45%62.37%61.63%58.43%57.97%-448 bps
Non-Interest Burden2.21%2.20%2.19%2.20%2.17%-4 bps
Growth
Asset Growth (YoY)20.52%8.29%6.21%4.67%3.82%-1,670 bps
Loan Growth (YoY)23.26%8.74%7.49%8.59%7.86%-1,541 bps
Deposit Growth (YoY)20.24%7.76%7.86%6.29%3.54%-1,669 bps
Asset Quality
Nonperforming Loans / Loans0.20%0.22%0.45%0.44%0.34%+14 bps
Net Charge-Offs / Loans0.00%0.00%0.01%0.01%0.01%+1 bps
Allowance / Loans0.81%0.82%0.82%0.82%0.83%+1 bps
Allowance Coverage of NPLs4.1x3.8x1.8x1.9x2.4x-1.7x
Capital
Tier 1 Leverage Ratio8.11%8.14%8.34%8.60%8.81%+70 bps
Total Risk-Based Capital11.18%11.40%11.53%11.61%11.86%+68 bps
Equity / Assets7.73%7.90%8.30%8.39%8.64%+92 bps
Liquidity & Funding
Loans / Deposits90.13%88.57%89.82%91.70%93.88%+376 bps
Liquid Assets / Assets1.77%2.45%0.24%0.01%0.03%-174 bps
CRE / Total Capitaln/a433%433%433%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Skyline National Bank

Independence, VA · Cert 6861 · Peer group: banks $1B-$10B in assets (n=313-319) · Skyline Bankshares Inc.

National charter · OCC · 28 branches

Q2 2026

$1.3BAssets
$1.1BLoans
$1.2BDeposits
$115.1MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 88% of banks $1B-$10B in assets (rank 39 of 319).
  • Widest gap: tier 1 capital ratio trails 86% of banks $1B-$10B in assets (rank 274 of 319).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.48%

Rank 86 of 319

Net Interest Margin

4.15%

Rank 48 of 319

Efficiency Ratio

59.02%

Rank 149 of 319

Equity / Assets

8.64%

Rank 268 of 319

Non-interest income vs. expense

$8.4M$37.6MINCOMEEXPENSE
Unfavorable gap of $29.2M · efficiency ratio beats 54% of banks $1B-$10B in assets
Bank 59.02%Peer median 59.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.48%0.91%1.21%1.53%Beats 73%86 / 319
Return on Equity17.16%8.49%11.44%14.57%Beats 88%39 / 319
Net Interest Margin4.15%3.06%3.43%3.81%Beats 85%48 / 319
Efficiency Ratio59.02%51.90%59.57%67.64%Beats 54%149 / 319
Asset Quality
Nonperforming Loans / Loans0.34%0.25%0.54%1.18%Beats 68%101 / 313
Net Charge-Offs / Loans0.01%0.01%0.04%0.12%Beats 77%73 / 313
Capital
Tier 1 Capital Ratio10.97%11.74%12.99%15.28%Beats 14%274 / 319
Total Risk-Based Capital Ratio11.86%12.61%14.01%16.23%Beats 16%269 / 319
Equity / Assets8.64%9.03%10.33%12.01%Beats 16%268 / 319
Liquidity & Funding
Loans / Deposits93.88%76.76%88.16%95.43%70th pctl93 / 314
Loans / Assets83.23%65.79%74.05%79.84%87th pctl42 / 319
Brokered Deposits / Depositsn/aNot reported for this institution