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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.24% | 1.30% | 1.40% | 1.45% | 1.56% | +33 bps | |
| Return on Equity | 16.17% | 16.59% | 17.34% | 17.36% | 18.37% | +220 bps | |
| Net Interest Margin | 3.93% | 3.98% | 4.08% | 4.13% | 4.24% | +31 bps | |
| Efficiency Ratio | 61.63% | 62.22% | 59.61% | 58.43% | 57.53% | -410 bps | |
| Non-Interest Burden | 2.24% | 2.28% | 2.20% | 2.20% | 2.19% | -5 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 / Loans | 0.20% | 0.22% | 0.45% | 0.44% | 0.34% | +14 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.01% | 0.03% | 0.01% | 0.01% | +2 bps | |
| Allowance / Loans | 0.81% | 0.82% | 0.82% | 0.82% | 0.83% | +1 bps | |
| Allowance Coverage of NPLs | 4.1x | 3.8x | 1.8x | 1.9x | 2.4x | -1.7x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.11% | 8.14% | 8.34% | 8.60% | 8.81% | +70 bps | |
| Total Risk-Based Capital | 11.18% | 11.40% | 11.53% | 11.61% | 11.86% | +68 bps | |
| Equity / Assets | 7.73% | 7.90% | 8.30% | 8.39% | 8.64% | +92 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 90.13% | 88.57% | 89.82% | 91.70% | 93.88% | +376 bps | |
| Liquid Assets / Assets | 1.77% | 2.45% | 0.24% | 0.01% | 0.03% | -174 bps | |
| CRE / Total Capital | n/a | 433% | 433% | 433% | n/a | n/a | |