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SKYLINE NATIONAL BANK

$1B-$10B Specialty: Commercial VA FDIC cert 6861

Designations: ✓ Community bank

Independence, VA

28 branches across VA · NC · TN

884 banks in the $1B-$10B peer group nationally 24 in VA
View $1B-$10B leaderboard (VA) →

SKYLINE NATIONAL BANK has 4 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Deposit Franchise: Top 47.7% in tier
  • + ROA 0.08% above tier average
  • + Efficiency Ratio 2.63% below tier average
  • + Delinquency Rate 0.45% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 32.0% in tier
  • - Capital Thin: Bottom 33.5% in tier
Get updates when SKYLINE NATIONAL BANK releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Total Assets ? $1.3B
+4.7% YoY +1.3% QoQ
-$1.5B $2.8B
-0.1% YoY
$17.9B
+25.7% YoY
$6.2B
+9.1% YoY
23%
Total Loans ? $1.1B
+8.6% YoY +2.7% QoQ
-$887.5M $2.0B
+0.6% YoY
$10.6B
+27.9% YoY
$3.2B
+10.8% YoY
36%
Total Deposits ? $1.2B
+6.3% YoY +0.5% QoQ
-$1.2B $2.3B
-0.3% YoY
$14.1B
+22.4% YoY
$4.8B
+8.2% YoY
29%
Return on Assets ? 1.45%
+22.4% YoY +12.6% QoQ
+0.08% 1.37%
+19.6% YoY
1.15%
+53.9% YoY
1.23%
+13.4% YoY
67%
Net Interest Margin ? 4.60%
+9.0% YoY +4.3% QoQ
+0.78% 3.82%
+6.9% YoY
3.81%
+7.1% YoY
3.89%
+5.7% YoY
Top 9.8% in tier
Efficiency Ratio ? 58.43%
-7.7% YoY -5.2% QoQ
-2.63% 61.06%
-4.6% YoY
65.58%
-7.6% YoY
66.95%
-4.1% YoY
54%
Delinquency Rate ? 0.44%
+97.4% YoY -3.7% QoQ
-0.45% 0.89%
+14.1% YoY
0.77%
+12.4% YoY
0.95%
+18.8% YoY
58%
Loan-to-Deposit Ratio ? 90.95%
+2.2% YoY +2.1% QoQ
+6.74% 84.20%
+0.3% YoY
79.34%
+0.5% YoY
76.70%
+0.9% YoY
35%
Non-Interest-Bearing Deposit Share ? 32.25%
+2.5% YoY +2.4% QoQ
+10.96% 21.29%
-2.5% YoY
25.27%
-0.4% YoY
22.01%
-1.2% YoY
Top 12.2% in tier
Nonperforming Asset Ratio ? 0.36%
+92.6% YoY -2.4% QoQ
-0.31% 0.67%
+15.6% YoY
0.55%
+12.2% YoY
0.67%
+19.3% YoY
57%
Tier 1 Capital Ratio ? 10.72%
+4.8% YoY +0.7% QoQ
-4.44% 15.16%
+2.0% YoY
16.28%
+2.7% YoY
17.06%
+0.8% YoY
Bottom 12.6% in tier
Non-Interest Income / Assets ? 0.15%
+6.6% YoY -74.6% QoQ
-0.10% 0.26%
+1.6% YoY
0.18%
+27.1% YoY
0.32%
+4.1% YoY
55%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Deposit Franchise

growth
#42 of 86 • Top 47.7% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 32.25%
(Tier: 21.29%, National: 22.01%)
better than tier avg
Net Interest Margin: 4.60%
(Tier: 3.82%, National: 3.89%)
better than tier avg
86 of 86 Mid-Market banks match · 369 nationally
→ Stable -14 banks QoQ | QoQ rank improving

Concerns (2)

Liquidity Strain

risk
#108 of 334 • Bottom 32.0% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 90.95%
(Tier: 84.20%, National: 76.70%)
worse than tier avg
334 of 334 Mid-Market banks match · 1013 nationally
→ Stable -50 banks QoQ

Capital Thin

risk
#75 of 221 • Bottom 33.5% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.72%
(Tier: 15.16%, National: 17.06%)
worse than tier avg
221 of 221 Mid-Market banks match · 926 nationally
→ Stable +3 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 884 peers in $1B-$10B

Top Strengths (2 metrics)

88
Net Interest Margin
profitability
Value: 4.60%
Peer Median: 3.82%
#88 of 884 Top 9.8% in $1B-$10B
109
Non-Interest-Bearing Deposit Share
funding
Value: 32.25%
Peer Median: 21.29%
#109 of 884 Top 12.2% in $1B-$10B

Top Weaknesses (2 metrics)

774
Tier 1 Capital Ratio
capital
Value: 10.72%
Peer Median: 15.16%
#774 of 884 Bottom 12.6% in $1B-$10B
679
Total Assets
size
Value: $1.31B
Peer Median: $2.82B
#679 of 884 Bottom 23.3% in $1B-$10B
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