TellerScore

Headquartered in Independence, Virginia, Skyline National Bank is a national bank with $1.3B in total assets and $1.2B in deposits as of Q2 2026. It operates 29 offices across 3 states. Its charter dates back to 1900.

Skyline National Bank has a TellerScore of 66 out of 100 (moderate) based on Q2 2026 data — higher than only 40% of its 897 banks with $1 billion – $10 billion. Among 56 banks headquartered in Virginia, it ranks 42nd. Problem-loan coverage contributes the most (94/100, 3.1%); capital cushion contributes the least (38/100, 8.81%).

TellerScore · Q2 2026

Scorecard

Capital cushion38/100
Tier 1 leverage ratio: 8.81%
Loan quality89/100
Noncurrent loans ÷ total loans: 0.34%
Earnings80/100
Return on assets (annualized): 1.51%
Funding & liquidity46/100
Loans ÷ deposits and uninsured-deposit share: 93.1% · 34.1% uninsured
Problem-loan coverage94/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.07%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (64 → 66), mostly because the earnings component improved by 12 points.

TellerScore
606366Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202465
Q3 202461
Q4 202460
Q1 202563
Q2 202564
Q3 202564
Q4 202562
Q1 202664
Q2 202666
Tier 1 leverage ratio
5.00%7.17%9.34%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.34%
Q3 20248.55%
Q4 20248.17%
Q1 20258.01%
Q2 20258.11%
Q3 20258.14%
Q4 20258.34%
Q1 20268.60%
Q2 20268.81%
Noncurrent loans
0.18%0.32%0.45%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.19%
Q3 20240.18%
Q4 20240.26%
Q1 20250.22%
Q2 20250.20%
Q3 20250.22%
Q4 20250.45%
Q1 20260.44%
Q2 20260.34%
Return on assets
0.63%1.07%1.51%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.76%
Q3 20240.63%
Q4 20240.70%
Q1 20251.18%
Q2 20251.21%
Q3 20251.24%
Q4 20251.29%
Q1 20261.45%
Q2 20261.51%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$1.3B8.81%0.34%1.51%93.1%
Q1 202664$1.3B8.60%0.44%1.45%90.9%
Q4 202562$1.3B8.34%0.45%1.29%89.1%
Q3 202564$1.3B8.14%0.22%1.24%87.8%
Q2 202564$1.3B8.11%0.20%1.21%89.4%
Q1 202563$1.3B8.01%0.22%1.18%89.0%
Q4 202460$1.2B8.17%0.26%0.70%89.4%
Q3 202461$1.2B8.55%0.18%0.63%87.0%
Q2 202465$1.1B9.34%0.19%0.76%87.2%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.81%
8th
Total risk-based capital11.86%
30th
Problem loans0.34%
64th
Net charge-offs0.01%
63rd
Return on assets1.51%
70th
Net interest margin4.67%
91st
Efficiency ratio58.0%
54th
Loans to deposits93.1%
32nd
Uninsured deposits34.1%
41st
Loan-loss reserves0.83%
16th
Texas ratio3.1%
56th

Similar-size banks in Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
Farmers & Merchants BankBank Timberville, VA70 out of 100, Strong$1.4B9.1%0.43%vs
Benchmark Community BankBank Kenbridge, VA75 out of 100, Strong$1.4B9.8%0.17%vs
Trustar BankBank Great Falls, VA58 out of 100, Moderate$1.1B9.4%0.39%vs
First National BankBank Altavista, VA73 out of 100, Strong$1.1B8.8%0.19%vs
The Freedom Bank of VirginiaBank Fairfax, VA40 out of 100, Below average$1.0B11.1%3.26%vs
Bank of the JamesBank Lynchburg, VA69 out of 100, Moderate$1.0B9.4%0.16%vs

Deposit insurance

Is my money safe at Skyline National Bank?

Yes. Skyline National Bank is an FDIC-insured institution (FDIC certificate #6861). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 34.1% of deposits ($402.0M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.81%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 11.86% (benchmark: 10%).

Check how much of your own balance is covered

29 locations

Branches

Skyline National Bank lists 28 offices in 24 cities across 3 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Skyline National Bank reported 768 home-loan applications under HMDA (LEI 254900R1UY5PAEIHXX38): 676 originated ($199,240,000 total), 41 denied, and 50 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Skyline National Bank
Former names
Grayson National Bank; The Grayson National Bank, Independence, Va.; The Grayson County National Bank; The Grayson National Bank
Type
National bank
FDIC certificate #
6861
RSSD ID
90328
Primary regulator
OCC
Holding company
Skyline Bankshares Inc
Established
October 6, 1900
Headquarters
113 W Main St, Independence, VA 24348
Employees
253

Quick answers

Skyline National Bank: common questions

Is Skyline National Bank FDIC insured?

Yes. Skyline National Bank is an FDIC-insured institution (FDIC certificate #6861). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Skyline National Bank's TellerScore?

66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Skyline National Bank ever failed?

There is no failure record for FDIC certificate #6861 in the FDIC failed bank list.

How many branches does Skyline National Bank have?

29 offices as of the latest FDIC data, in 3 states.

Nearby

Highest-scoring banks and credit unions with branches near Independence

InstitutionScoreAssetsCapitalProblem loansCompare
Carter Bank & TrustBank Martinsville, VA76 out of 100, Strong$4.8B11.7%1.01%vs
First Community BankBank Bluefield, VA75 out of 100, Strong$3.6B10.2%0.70%vs
The Bank of MarionBank Marion, VA71 out of 100, Strong$634.1M11.4%1.12%vs
LifeStore BankBank West Jefferson, NC71 out of 100, Strong$491.3M11.9%1.11%vs
The National Bank of BlacksburgBank Blacksburg, VA70 out of 100, Strong$1.8B10.5%0.06%vs
First National Bank of PennsylvaniaBank Greenville, PA64 out of 100, Moderate$50.8B9.4%0.38%vs