# SKYLINE NATIONAL BANK
INDEPENDENCE, VA · FDIC certificate 6861 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.33B | |
| Deposits | $1.18B | |
| Loans and leases | $1.11B | |
| Total equity | $115.1M | |
| Loans / deposits | 93.11% (p68 of band) | 87.10% |
| Liquid assets / assets | 9.37% (p4 of band) | |
| Uninsured deposits / deposits | 34.06% (p59 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.08% (p30 of band) | |
| FHLB advances / assets | 1.88% | |
| Tier 1 leverage | 8.81% (p9 of band) | 10.50% |
| Unrealized securities loss / equity | -13.84% (p32 of band) | -7.75% |
| AOCI / equity | -0.35% (p47 of band) | |
| ROA (annualized) | 1.51% (p70 of band) | 1.26% |
| Net interest margin | 4.67% (p91 of band) | 3.70% |
| Efficiency ratio | 57.97% (p46 of band) | |
| Noncurrent loans | 0.34% (p36 of band) | 0.51% |
| Net charge-offs (annualized) | 0.01% (p38 of band) | |
| Reserve coverage of noncurrent | 240.03% | |
| Real estate % of loans | 94% | |
| Construction % of loans | 56.87% (p60 of band) | |
| Auto loans | $2.1M (0.19% of loans; DQ 3.29%, NCO 0.00%) | |
| Loans to nondepository financials | $1.0M (1% of equity) (p76 of band) | |
| Deposits YoY | 3.5% | |
| Employees | 253 | |

## Flags firing in the latest filing

- **liquid assets <10%** (`liq_thin`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 3 | noncurrent p90 |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 6 | expense ratio p90, deposits shrinking, assets shrinking, uninsured deposits leaving | losing money |
| 2012-06 | 5 |  | deposits shrinking |
| 2012-09 | 5 | deposits shrinking | uninsured deposits leaving |
| 2012-12 | 4 | losing money | assets shrinking, deposits shrinking |
| 2013-03 | 2 |  | expense ratio p90, losing money |
| 2013-06 | 3 | deposits shrinking |  |
| 2013-09 | 2 |  | deposits shrinking |
| 2013-12 | 3 | expense ratio p90 |  |
| 2014-03 | 2 |  | expense ratio p90 |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 | expense ratio p90 | noncurrent p90 |
| 2015-03 | 2 | charge-offs p90 | expense ratio p90 |
| 2015-06 | 0 |  | reserve under noncurrent, charge-offs p90 |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | expense ratio p90 |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 0 |  | expense ratio p90 |
| 2016-09 | 0 |  |  |
| 2016-12 | 2 | expense ratio p90, reserve under noncurrent |  |
| 2017-03 | 1 |  | expense ratio p90 |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | capital falling |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 3 | liquid assets <10% |  |
| 2020-12 | 1 |  | reserve under noncurrent, liquid assets <10% |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 0 |  |  |
| 2022-09 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 2 | deposits shrinking |  |
| 2023-09 | 1 |  | deposits shrinking |
| 2023-12 | 0 |  | securities losses >30% of equity |
| 2024-03 | 1 | capital falling |  |
| 2024-06 | 0 |  | capital falling |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | capital falling |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 0 |  | capital falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | liquid assets <10% |  |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-08 [Skyline National Bank and Spears Manufacturing Named Entitlement Sponsors of zMAX CARS Tour Doubleheader at North Wilkesboro Speedway - catchfence.com](https://news.google.com/rss/articles/CBMiwgJBVV95cUxOUzF2cUV4Z25hRFNPZ1hmMjhTeFJxb1FWMnYyaWN3N1pNSHVLNURNOWhBWGF2THVTN0NQNzJVZGJFZ29TbUxNMGc1aTNnZFQ4WFZqSzdDaS1zRXN1ZkpCdGZBSEpmM2lhOV9wZU5YQmNhYzlSZ1pEbnAyLWo3azZrSC12eHdJVDFWMHdnXzZ1X3U4Zmk5b0Jva2pjTnlZTW1SOUp1RnZkQ1VZZUNMeWU0MUQ1MnB5WDJLTG1walJKWTMwWVZuendFbkNGYWFmWWNUUkxUeHlEVmd0UEkxTGtkaEVaQ05qOThFTDJTWHFNU2JVbmU0MEFVUGhHeHVKUS02WnBGZENhazRFZ2RaUXlrcXFLdTdWVGt1VlNqNkxjZWl2Sm85M1ZwTEhWbXpWZXVaWHFuSXVqTTNSUnF5cDJpa19R?oc=5) · catchfence.com
- 2023-08-25 [Floyd County buys Skyline National Bank building - Cardinal News](https://news.google.com/rss/articles/CBMijgFBVV95cUxQQVZrQzkxWlJMaWd0Qk1SZGg5NkhRQXlDeDIta09GZnZkdnFfWXFTOWlMUnFvTVpSZEFsR2hNS25fRmpNQzhsMFpadWNUaWFYbTFVRVNDQVdUdzFTd25SQ3B6ZGRmWHVPWVJud0pwb1VoZHNpMlphaTUyRTd2aW04dGZyYml4QjQtT0xOSzB3?oc=5) · Cardinal News
- 2026-08-21 [Skyline Bankshares, Inc. Announces Semi-Annual Cash Dividend - The Manila Times](https://news.google.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?oc=5) · The Manila Times
- 2019-01-22 [Chief Financial Officer of Skyline National Bank - SEC.gov - SEC.gov](https://news.google.com/rss/articles/CBMigwFBVV95cUxPaHNzNE9USHpvME5BdTI3OV96MTRnRnR2dHBHMUpybGttM1lGRDdzZFE5T0dXY3VIa2dENWx3X1hVRFNCbUhvQUl1azFzME93VVAzbXZucHpJamlfcG9ubzQ2YWRoV2RQU0dLMDl2YkNLUDdfaGY3Mm1hRlc1ZGVPUDAxQQ?oc=5) · SEC.gov
- 2017-10-17 [Grayson National Bank And Bank Of Floyd Are Now Skyline National Bank - PR Newswire](https://news.google.com/rss/articles/CBMiwwFBVV95cUxNdzRCaXYyc1lBTkdIQ1VvektQRmJ5TkVfRHVJcG8yd1J6TnhTSUhrblBuNmtvSFZsM2otdnpBa2szZEZyYndqczl4amxIbkNvLVE4LXVfS2h2WVlMZkU2UE5idW1IUDFUWXNyc2s5OVBfc0Z3c1RidDQ4VFFJMVR6SEtNYUJ2NnBjNFhhc0oxN2NIRkw1dExHNGxCNXhMTkc1ajJUY0FJdk1fWTk1c0xPY0xkc2xZWlZQTGZmbHROclZQN1k?oc=5) · PR Newswire
- 2025-04-25 [Skyline Bankshares (SLBK) Stock Price, News & Analysis - stocktitan.net](https://news.google.com/rss/articles/CBMiU0FVX3lxTE43OElXYlVlSWwySGZTRmVWR1dGZzZpc05BVEEwOF9KaDFaWlFWcnA2UjlkV2xNeTIxdWxBM28ydG1RNnRKeDF5SDRrWVZTLTBiQTNR?oc=5) · stocktitan.net
- 2024-04-17 [Skyline Bankshares To Acquire Johnson County Bank - citybiz](https://news.google.com/rss/articles/CBMikgFBVV95cUxQS1JzdWxhRVR6bGVsNGlzT3NmdkZvNDBSMlRGZUZ2ZVFPRDJqUm4zczFTSGtxaDRFT3Z4eVVzVjluR1pmUENkTC1HRVJmQW1mQ3hwM1J6RVJxTlE1aG0xUHFGSmNmbm9jeXh6clhfajlhNlBla29VYmo2X3QtRTV5LXVfaDZ1OXNDeHZSYWRTWHYxQQ?oc=5) · citybiz
- 2025-08-27 [Wayne Henderson mural unveiled in Independence - The Galax Gazette](https://news.google.com/rss/articles/CBMi1AFBVV95cUxQeFVZcHFJa3RMRE5WRzZyY1pKU3BmTmNqd0wzWVlEM25TV1FURGZtWGJhNlljVmk3YmYydGduNEpqVVJYRm1wblN4Y2dnLVJUNEd3ZXJSeTQySDctaERCOE9idXo4cElYVlg2eFQ2Z0VJMDRiMW4wYUx6YzA5c3hISU5MYktaSE9FSF9LcVFvb01kSlZLQXVZbloyaDQxcUtRTGtkem5YbGZpUjZTa2lGc29idVZqNnVIVFkzNmNSZzEzZEtEV091MThyMVdZdEYtSXQ0QQ?oc=5) · The Galax Gazette

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=6861 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/13.json (key "6861", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide