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
Unfavorable gap of $29.2M · efficiency ratio beats 54% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.48% | 0.91% | 1.21% | 1.53% | Beats 73% | 86 / 319 | |
| Return on Equity | 17.16% | 8.49% | 11.44% | 14.57% | Beats 88% | 39 / 319 | |
| Net Interest Margin | 4.15% | 3.06% | 3.43% | 3.81% | Beats 85% | 48 / 319 | |
| Efficiency Ratio | 59.02% | 51.90% | 59.57% | 67.64% | Beats 54% | 149 / 319 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.34% | 0.25% | 0.54% | 1.18% | Beats 68% | 101 / 313 | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.04% | 0.12% | Beats 77% | 73 / 313 | |
| Capital |
| Tier 1 Capital Ratio | 10.97% | 11.74% | 12.99% | 15.28% | Beats 14% | 274 / 319 | |
| Total Risk-Based Capital Ratio | 11.86% | 12.61% | 14.01% | 16.23% | Beats 16% | 269 / 319 | |
| Equity / Assets | 8.64% | 9.03% | 10.33% | 12.01% | Beats 16% | 268 / 319 | |
| Liquidity & Funding |
| Loans / Deposits | 93.88% | 76.76% | 88.16% | 95.43% | 70th pctl | 93 / 314 | |
| Loans / Assets | 83.23% | 65.79% | 74.05% | 79.84% | 87th pctl | 42 / 319 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |