Skyline National Bank
Skyline National Bank is an FDIC-insured commercial bank headquartered in Independence, VA, supervised by the OCC, with $1.35B in total assets at Q3 2026, up 3.5% from Q3 2025, the 25th largest of 56 banks headquartered in Virginia. It was established in 1900 and holds FDIC certificate 6861. Its CET1 capital ratio was 11.14% at Q3 2026, above regulatory requirements.
Also written as SNB
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 6861
- Headquarters
- Independence, VA
- Established
- 1900
- Total assets, Q3 2026
- $1.35B
- Assets vs Q3 2025
- +3.5%
- CET1 ratio, Q3 2026
- 11.14%
- Domestic offices
- 28 branches
- Routing number
- 051403766
- Safety and soundness
- Is Skyline National Bank safe?
- Latest call report
- Q3 2026, FFIEC 051 · Skyline National Bank call report
- Holding company
- SKYLINE BANKSHARES, INC.
- Asset rank in state
- 25th of 56 in Virginia
Skyline National Bank operates with a thinner capital cushion than most banks of its size. The Independence, Virginia bank had $1.4 billion in assets at September 30, 2026, up 3.5% from a year earlier. It funds 8.98% of its assets with Tier 1 capital, lower than about 9 in 10 of the 887 banks with $1 billion to $10 billion in assets (median 10.57%). On the other hand, it pays an average of 1.23% on its deposits and borrowings, lower than about three-quarters of banks its size (median 2.05%).
Net income for the quarter rose 25% from a year earlier, to $5.3 million. Over the same year, loans grew 9.2% and deposits grew 3.7%.
As of September 30, 2026, Skyline National Bank reported a CET1 capital ratio of 11.14%, a return on assets of 1.54%, a nonperforming-loan ratio of 0.11% and a Texas ratio of 1.07%. The figures come from its call report filed with the FFIEC.
Skyline National Bank ranks as the 25th largest of the 56 banks based in Virginia, by total assets at Q3 2026. Quarter on quarter (Q2 2026 to Q3 2026), its total assets rose 1.5% to $1.35B, loans rose 2.1% and deposits rose 2.8%. 1-4 family residential loans made up 46.1% of its total loans on September 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 15.7%. Its 28 offices in the FDIC Summary of Deposits are in 24 cities across 3 states; its Floyd office books 14% of its branch deposits. On its Q3 2026 call report, Skyline National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 113 W Main St, Independence, VA 24348
- County
- Grayson
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 6, 1900
- Former names
- Grayson National Bank (1992-2017); The Grayson National Bank (1967-1992); The Grayson National Bank, Independence, Va. (1955-1967)
- Domestic offices
- 28 branches
- Employees (FTE)
- 255
- Domestic deposits
- $1.21B
- Allowance for credit losses
- $9.3M
- Net charge-offs (YTD)
- $135K
- Average total assets
- $1.36B
- Average total loans
- $1.12B
- Average interest-bearing deposits
- $823.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 6861
- Fed RSSD
- 90328
- SEC CIK
- 1657642 → filed by SKYLINE BANKSHARES, INC.
- Website
- www.skylinenationalbank.bank →
- Parent Holding Company
- SKYLINE BANKSHARES, INC. (RSSD 4949303) · SLBK
Profitability
Q3 annualizedAsset Quality
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
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Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. How we compute these figures
Quarterly trends
From Q4 2023 to Q3 2026, Skyline National Bank's total assets ranged from $1.05B (Q4 2023) to $1.35B (Q3 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q3 2026 with Q3 2025. How these charts are built
$1.35B total assets against $1.31B; $1.24B total liabilities against $1.20B.
$1.12B net loans and leases against $1.03B; $1.21B total deposits against $1.17B.
$98.1M securities against $114.6M; $22.6M cash and balances due against $56.3M.
$18.2M total interest income against $16.9M; $3.8M total interest expense against $4.0M.
$14.5M net interest income against $12.9M.
$2.3M total noninterest income against $2.0M; $9.9M total noninterest expense against $9.4M.
$245K provision for credit losses against $189K.
$5.3M net income against $4.2M.
1.54% return on assets against 1.28%; 4.64% net interest margin against 4.33%.
11.14% CET1 capital ratio against 10.51%; 8.98% tier 1 leverage ratio against 8.14%.
Inside the full Skyline National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital. The 200% line is a BankRegReports watch band, not a supervisory threshold; the 2006 interagency guidance level is 300%. BankRegReports early-warning band below the 300% guidance.
Skyline National Bank rankings
Its closest position to the top of a national ranking is 819 of 4,193, for total assets; its furthest is 1,847 of 2,021, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q3 2026, its return on assets ran from 0.86% (Q4 2024) to 1.54% (Q3 2026) and its net interest margin ran from 4.10% (Q1 2025) to 4.64% (Q3 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2026 | 11.14% | 1.54% | 0.11% | 1.07% | 4.64% |
| Q2 2026 | 10.97% | 1.54% | 0.34% | 3.35% | 4.59% |
| Q1 2026 | 10.72% | 1.43% | 0.44% | 4.40% | 4.49% |
| Q4 2025 | 10.64% | 1.38% | 0.45% | 4.58% | 4.44% |
| Q3 2025 | 10.51% | 1.28% | 0.22% | 2.23% | 4.33% |
| Q2 2025 | 10.31% | 1.23% | 0.20% | 2.13% | 4.27% |
| Q1 2025 | 10.23% | 1.16% | 0.22% | 2.57% | 4.10% |
| Q4 2024 | 10.34% | 0.86% | 0.26% | 3.02% | 4.13% |
Swipe the table sideways to see every column.
Branch Network
View all 28 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank of Floyd Branch | Floyd , VA | 24091 | $160.9M |
| Mountain City Branch | Mountain City , TN | 37683 | $125.7M |
| Hillsville Office | Hillsville , VA | 24343 | $105.7M |
| Wilkesboro Br | Wilkesboro , NC | 28697 | $72.0M |
| Yadkinville Branch | Yadkinville , NC | 27055 | $70.5M |
| Galax Branch | Galax , VA | 24333 | $63.0M |
| Sparta Branch | Sparta , NC | 28675 | $58.7M |
| Skyline National Bank (main office) | Independence , VA | 24348 | $58.2M |
| East Independence Branch | Independence , VA | 24348 | $50.2M |
| Wytheville Branch | Wytheville , VA | 24382 | $39.7M |
| Carroll Branch | Galax , VA | 24333 | $35.9M |
| Christiansburg Branch | Christiansburg , VA | 24073 | $35.8M |
| Cave Spring Branch | Roanoke , VA | 24018 | $31.7M |
| West Jefferson Branch | West Jefferson , NC | 28694 | $31.6M |
| Mocksville Branch | Mocksville , NC | 27028 | $27.5M |
| Boone Branch | Boone , NC | 28607 | $26.1M |
| Meadows of Dan Branch | Meadows Of Dan , VA | 24120 | $22.6M |
| Hickory Branch | Hickory , NC | 28602 | $22.0M |
| Fairlawn Branch | Radford , VA | 24141 | $21.2M |
| Blacksburg Branch | Blacksburg , VA | 24060 | $20.5M |
| Hudson Branch | Hudson , NC | 28638 | $20.4M |
| Lenoir Branch | Lenoir , NC | 28645 | $19.1M |
| Roanoke Branch | Roanoke , VA | 24018 | $17.1M |
| Elk Creek Branch | Elk Creek , VA | 24326 | $13.8M |
| Trout Dale Branch | Troutdale , VA | 24378 | $12.4M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 1, 2024 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 1, 2024 | Structure Change | Acquired Johnson County Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2018 | Structure Change | Acquired Great State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2016 | Structure Change | Acquired Bank of Floyd Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 1, 1967 | Structure Change | Acquired Farmers Bank of Elk Creek Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 7 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- August 9, 2011, OCC: Formal Agreement: Grayson National Bank
- Period: Most recent institution action August 9, 2011. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in VA, rank 43 of 102 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 768 applications, 676 loans originated, $199.2M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 6 loans, $306K approved, $51K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Skyline National Bank
What are Skyline National Bank's total assets?
As of the Q3 2026 filing, Skyline National Bank reported total assets of $1.35 billion in its FFIEC call report.
Where is Skyline National Bank headquartered?
It is headquartered in Independence, VA, United States.
When was Skyline National Bank founded?
It was established in 1900, per the FDIC institution directory.
Is Skyline National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #6861). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Skyline National Bank?
Skyline National Bank's primary federal regulator is the OCC.
What is Skyline National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.14% in its Q3 2026 call report, above regulatory requirements.
How many branches does Skyline National Bank operate?
It operates 28 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Skyline National Bank's Texas Ratio?
Its Texas Ratio is 1.07% in its Q3 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures nonperforming assets against the bank's capital and reserves.
What was Skyline National Bank previously called?
The charter now named Skyline National Bank has also operated as Grayson National Bank (1992-2017), The Grayson National Bank (1967-1992), The Grayson National Bank, Independence, Va. (1955-1967), per FDIC structure-change records.
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