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 | |