Independence, VA · Cert 6861 · Skyline Bankshares Inc.
National charter · OCC · 28 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
15
Asset Quality
71
Profitability
82
Liquidity
56
Efficiency
53
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.
Independence, VA · Cert 6861 · Skyline Bankshares Inc.
National charter · OCC · 28 branches
Q2 2026
Market Position · Blacksburg-Christiansburg-Radford, VA · 2026 SOD (annual) · 5.1% share · #7 of 14 inst. · $0.2B of $4.6B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.63% | 0.70% | 1.18% | 1.21% | 1.24% | 1.29% | 1.45% | 1.51% | +29 bps | |
| Return on Equity | 8.08% | 8.98% | 15.51% | 15.81% | 16.07% | 16.40% | 17.36% | 17.83% | +202 bps | |
| Net Interest Margin | 3.29% | 3.23% | 3.77% | 3.81% | 3.81% | 3.86% | 4.13% | 4.15% | +33 bps | |
| Efficiency Ratio | 76.29% | 75.25% | 63.31% | 62.45% | 62.37% | 61.63% | 58.43% | 57.97% | -448 bps | |
| Non-Interest Burden | 2.36% | 2.30% | 2.22% | 2.21% | 2.20% | 2.19% | 2.20% | 2.17% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.64% | 16.44% | 19.18% | 20.52% | 8.29% | 6.21% | 4.67% | 3.82% | -1,670 bps | |
| Loan Growth (YoY) | 19.47% | 20.39% | 21.01% | 23.26% | 8.74% | 7.49% | 8.59% | 7.86% | -1,541 bps | |
| Deposit Growth (YoY) | 19.59% | 17.60% | 19.77% | 20.24% | 7.76% | 7.86% | 6.29% | 3.54% | -1,669 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.18% | 0.26% | 0.22% | 0.20% | 0.22% | 0.45% | 0.44% | 0.34% | +14 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.01% | 0.00% | 0.00% | 0.01% | 0.01% | 0.01% | +1 bps | |
| Allowance / Loans | 0.82% | 0.82% | 0.82% | 0.81% | 0.82% | 0.82% | 0.82% | 0.83% | +1 bps | |
| Allowance Coverage of NPLs | 4.5x | 3.1x | 3.7x | 4.1x | 3.8x | 1.8x | 1.9x | 2.4x | -1.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.55% | 8.17% | 8.01% | 8.11% | 8.14% | 8.34% | 8.60% | 8.81% | +70 bps | |
| Total Risk-Based Capital | 11.11% | 11.19% | 11.09% | 11.18% | 11.40% | 11.53% | 11.61% | 11.86% | +68 bps | |
| Equity / Assets | 7.74% | 7.66% | 7.60% | 7.73% | 7.90% | 8.30% | 8.39% | 8.64% | +92 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.76% | 90.13% | 89.76% | 90.13% | 88.57% | 89.82% | 91.70% | 93.88% | +376 bps | |
| Liquid Assets / Assets | 0.56% | 0.13% | 1.29% | 1.77% | 2.45% | 0.24% | 0.01% | 0.03% | -174 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 433% | 433% | 433% | n/a | n/a | |
Independence, VA · Cert 6861 · Peer group: banks $1B-$10B in assets (n=322-328) · Skyline Bankshares Inc.
National charter · OCC · 28 branches
Q2 2026
Return on Assets
1.48%
Rank 88 of 328
Net Interest Margin
4.15%
Rank 47 of 328
Efficiency Ratio
59.02%
Rank 156 of 328
Equity / Assets
8.64%
Rank 279 of 328
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.48% | 0.91% | 1.22% | 1.52% | Beats 73% | 88 / 328 | ||
| Return on Equity | 17.16% | 8.43% | 11.45% | 14.43% | Beats 88% | 38 / 328 | ||
| Net Interest Margin | 4.15% | 3.03% | 3.45% | 3.83% | Beats 86% | 47 / 328 | ||
| Efficiency Ratio | 59.02% | 51.61% | 59.56% | 67.53% | Beats 53% | 156 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.34% | 0.24% | 0.51% | 1.03% | Beats 66% | 112 / 322 | ||
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.03% | 0.10% | Beats 75% | 81 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.97% | 11.75% | 13.15% | 15.47% | Beats 14% | 282 / 328 | ||
| Total Risk-Based Capital Ratio | 11.86% | 12.63% | 14.15% | 16.46% | Beats 17% | 273 / 328 | ||
| Equity / Assets | 8.64% | 9.15% | 10.33% | 12.01% | Beats 15% | 279 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 93.88% | 76.63% | 87.92% | 95.36% | 71st pctl | 94 / 323 | ||
| Loans / Assets | 83.23% | 65.18% | 74.15% | 79.98% | 86th pctl | 45 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||