Skyline National Bank
Independence, VA · Cert 6861 · Peer group: banks $1B-$10B in assets (n=322-328) · 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 38 of 328).
- Widest gap: tier 1 capital ratio trails 86% of banks $1B-$10B in assets (rank 282 of 328).
- Overall: at or above the peer median on 6 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $29.2M · efficiency ratio beats 53% 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% | 1.22% | 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 |