Side-by-side · Q2 2026 data
Skyline National Bank vs Bank of the James
Metric by metric
| Measure | Skyline National Bank | Bank of the James |
|---|---|---|
| TellerScore | 66 | 69 (stronger) |
| Capital cushion | 38 | 44 (stronger) |
| Loan quality | 89 | 95 (stronger) |
| Earnings | 80 (stronger) | 60 |
| Funding & liquidity | 46 | 69 (stronger) |
| Problem-loan coverage | 94 | 98 (stronger) |
| Peer percentile | 40th | 53rd |
| Total assets | $1.3B | $1.0B |
| Deposits / shares | $1.2B | $938.1M |
| Capital ratio | 8.81% | 9.38% (stronger) |
| Problem loans | 0.34% | 0.16% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.05% |
| Return on assets | 1.51% (stronger) | 1.01% |
| Loans ÷ deposits | 93.1% | 73.7% (stronger) |
| Uninsured deposits | 34.1% | 30.6% (stronger) |
| Offices | 28 | 21 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.7% | — |
Bank of the James has the higher TellerScore (69 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Skyline National Bank leads on 2 and Bank of the James on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.