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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

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 23 in VA.
  • Deposits +3.5% year over year ($1.2B on the books).
  • Delinquency rate 0.35%.
  • Return on assets 1.51%.
  • Efficiency ratio 57.97% vs a 59.73% peer average.
  • Loan-to-deposit ratio 93.11% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 23 in VA
View $1B-$10B leaderboard (VA) →

SKYLINE NATIONAL BANK has 4 strengths but faces 3 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 52.5% in tier
  • + ROA 0.11% above tier average
  • + Efficiency Ratio 1.76% below tier average
  • + Delinquency Rate 0.52% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 31.5% in tier
  • - Liquidity Strain: Bottom 37.1% in tier
  • - Credit Risk Growth: Bottom 40.3% in tier
Get updates when SKYLINE NATIONAL BANK releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Total Assets ? $1.3B
+3.8% YoY +1.7% QoQ
-$1.5B $2.8B
-0.6% YoY
$17.9B
+3.0% YoY
$6.3B
+7.7% YoY
25%
Total Loans ? $1.1B
+7.8% YoY +2.0% QoQ
-$864.1M $2.0B
-0.3% YoY
$10.9B
+3.1% YoY
$3.2B
+9.4% YoY
37%
Total Deposits ? $1.2B
+3.5% YoY -0.3% QoQ
-$1.1B $2.3B
-0.5% YoY
$14.1B
+3.2% YoY
$4.9B
+7.3% YoY
28%
Return on Assets ? 1.51%
+24.3% YoY +4.0% QoQ
+0.11% 1.39%
+17.0% YoY
1.34%
+70.7% YoY
1.30%
+12.1% YoY
70%
Net Interest Margin ? 4.67%
+8.7% YoY +1.5% QoQ
+0.80% 3.87%
+6.2% YoY
3.88%
+6.6% YoY
3.95%
+4.9% YoY
Top 9.2% in tier
Efficiency Ratio ? 57.97%
-7.2% YoY -0.8% QoQ
-1.76% 59.73%
-12.6% YoY
62.24%
-10.7% YoY
70.05%
+2.5% YoY
55%
Delinquency Rate ? 0.35%
+72.3% YoY -21.4% QoQ
-0.52% 0.87%
+11.7% YoY
0.72%
+0.1% YoY
0.98%
+16.3% YoY
65%
Loan-to-Deposit Ratio ? 93.11%
+4.2% YoY +2.4% QoQ
+8.07% 85.04%
-0.1% YoY
80.15%
+0.8% YoY
79.03%
+2.3% YoY
32%
Non-Interest-Bearing Deposit Share ? 31.43%
+1.6% YoY -2.6% QoQ
+10.16% 21.27%
-1.5% YoY
26.19%
+3.5% YoY
21.98%
-0.6% YoY
Top 12.3% in tier
Nonperforming Asset Ratio ? 0.29%
+78.9% YoY -21.1% QoQ
-0.39% 0.67%
+11.7% YoY
0.52%
-0.4% YoY
0.69%
+15.8% YoY
63%
Tier 1 Capital Ratio ? 10.97%
+6.5% YoY +2.4% QoQ
-3.87% 14.84%
-0.4% YoY
16.58%
+3.9% YoY
17.09%
+0.8% YoY
18%
Non-Interest Income / Assets ? 0.32%
+10.2% YoY +106.5% QoQ
-0.21% 0.53%
+2.5% YoY
0.52%
+72.6% YoY
0.66%
+5.2% YoY
56%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Noninterest-Bearing 31.4%
+0.5pp YoY
-0.8pp QoQ
 +10.1pp 21.4% 26.2% 22.2% 88%
Brokered Deposits n/a n/a 9.5% 8.5% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
C&I 4.9%
-1.2pp YoY
+0.1pp QoQ
 -9.1pp 14.0% 11.0% 12.5% 18%
CRE 45.2%
+0.5pp YoY
+0.1pp QoQ
 -4.8pp 50.0% 46.9% 41.4% 37%
1-4 Family 46.7%
+1.1pp YoY
0.0pp QoQ
 +20.2pp 26.4% 32.6% 31.3% 88%
Consumer 0.8%
-0.2pp YoY
-0.1pp QoQ
 -3.9pp 4.7% 8.0% 5.0% 40%

Capital

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
CET1 Ratio 11.0%
+0.7pp YoY
+0.2pp QoQ
 -4.6pp 15.6% 17.2% 19.7% 9%
Leverage Ratio 8.8%
+0.7pp YoY
+0.2pp QoQ
 -2.5pp 11.3% 12.2% 12.6% 8%
Total Capital Ratio 11.9%
+0.7pp YoY
+0.3pp QoQ
 -4.8pp 16.7% 18.3% 20.8% 7%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Full-Time Employees 253
+3 (+1.2%) YoY
+7 (+2.8%) QoQ
 -61 313 1,956 482 56%
Assets per Employee ($) $5.3M
+2.6% YoY
-1.1% QoQ
 -$5.2M $10.5M $9.9M $8.8M 5%
Branch Count 28
0 YoY
0 QoQ
 +8 20 28 18 80%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.2% 0.4% n/a
Nonaccrual 0.3%
+0.1pp YoY
-0.1pp QoQ
 -0.5pp 0.8% 0.7% 1.0% 35%
Allowance Coverage 2.40x
-41.2% YoY
+28.0% QoQ
 -16.31x 18.71x 9.47x 20.23x 56%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.2% 0.2% 33%

Profitability

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
ROE 17.8%
+2.0pp YoY
+0.5pp QoQ
 +5.2pp 12.6% 12.0% 11.6% 86%
Cost of Funds (YTD) 1.1%
-0.2pp YoY
0.0pp QoQ
 -0.8pp 1.9% 1.7% 1.7% 8%
Net Income ($, YTD) $9.9M
+30.3% YoY
— QoQ
 -$9.4M $19.2M $137.1M $40.4M 39%

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
#43 of 80 • Top 52.5% 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: 31.43%
(Tier: 21.27%, National: 21.98%)
better than tier avg
Net Interest Margin: 4.67%
(Tier: 3.87%, National: 3.95%)
better than tier avg
80 of 80 Mid-Market banks match · 368 nationally
→ Stable -1 banks QoQ

Concerns (3)

Capital Thin

risk
#71 of 222 • Bottom 31.5% 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: 10.97%
(Tier: 14.84%, National: 17.09%)
worse than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank improving

Liquidity Strain

risk
#135 of 361 • Bottom 37.1% 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: 93.11%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
361 of 361 Mid-Market banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

Credit Risk Growth

risk
#163 of 402 • Bottom 40.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally
→ Stable -58 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 885 peers in $1B-$10B

Top Strengths (2 metrics)

82
Net Interest Margin
profitability
Value: 4.67%
Peer Median: 3.87%
#82 of 885 Top 9.2% in $1B-$10B
110
Non-Interest-Bearing Deposit Share
funding
Value: 31.43%
Peer Median: 21.27%
#110 of 885 Top 12.3% in $1B-$10B

Top Weaknesses (2 metrics)

730
Tier 1 Capital Ratio
capital
Value: 10.97%
Peer Median: 14.84%
#730 of 885 Bottom 17.6% in $1B-$10B
667
Total Assets
size
Value: $1.33B
Peer Median: $2.79B
#667 of 885 Bottom 24.7% in $1B-$10B
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