SKYLINE NATIONAL BANK: how it compares with its peers
Against 22 VA banks with half to twice its assets, SKYLINE NATIONAL BANK's strongest measure in Q2 2026 is net interest margin (4.67% vs. a 3.68% peer median). Its weakest relative measure is assets per employee ($5.3M vs. $7.7M).
| Measure | SKYLINE NATIONAL BANK | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.51% | 1.16% | Top third Ahead of 68% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.67% | 3.68% | Top third Ahead of 95% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 57.97% | 60.73% | Top third Ahead of 73% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.3M | $7.7M | Bottom third Ahead of 5% of peers |
| Loans to deposits Net loans and leases over total deposits. | 93.11% | 87.25% | Context |
What it means for lending operations
Its efficiency ratio of 57.97% is better than the 60.73% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Farmers & Merchants Bank Timberville, VA · $1.40B
- Benchmark Community Bank Kenbridge, VA · $1.41B
- Trustar Bank Great Falls, VA · $1.14B
- First National Bank Altavista, VA · $1.14B
- The Freedom Bank of Virginia Fairfax, VA · $1.04B
- Bank of the James Lynchburg, VA · $1.03B
Questions about SKYLINE NATIONAL BANK
How big is SKYLINE NATIONAL BANK?
SKYLINE NATIONAL BANK, established in 1900, is headquartered in Independence, VA. It reported $1.33B in total assets in its Q2 2026 FDIC call report and operates 29 offices.
What is SKYLINE NATIONAL BANK's return on assets?
1.51% annualized in Q2 2026, against a 1.16% median for 22 VA banks with half to twice its assets, ahead of 68% of them.
What is SKYLINE NATIONAL BANK's efficiency ratio?
57.97% in Q2 2026: it spent about 58 cents in noninterest expense for each dollar of revenue. The peer median is 60.73%, and lower is better.
Is SKYLINE NATIONAL BANK growing its loans?
Net loans grew 7.8% over the year to Q2 2026, while deposits grew 3.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are VA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Virginia bank ranked.