Skyline National Bank: Vital Signs
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Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
Skyline National Bank reported all 23 line items on this page on its Q3 2026 filing. CET1 capital ratio was 11.14% in Q3 2026, up 0.63 percentage points from 10.51% in Q3 2025. Across the 12 quarters shown it ranged from 10.23% (Q1 2025) to 11.80% (Q2 2024).
The standout move of Q3 2026 was in Reserve coverage of nonperforming loans: 520.02 percentage points higher than in Q2 2026, at 760.05%. Within Virginia, Skyline National Bank is 13th of 56 on return on assets, 1.54% as of Q3 2026. Skyline National Bank reported 1.54% on return on assets for Q3 2026, 0.24 points above the 1.30% median for banks in the $1B-10B asset tier.
Capital adequacy
Equity capital to assets moved most in this table, down 0.13 points: 8.64% in Q2 2026, 8.51% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | 11.14% |
| Tier 1 risk-based capital ratio | 11.14% |
| Total risk-based capital ratio | 12.03% |
| Tier 1 leverage ratio | 8.98% |
| Equity capital to assets | 8.51% |
| Tangible equity to tangible assets | 7.80% |
Source: Call Report Schedule RC-R, Part I: CET1 capital ratio (RCOAP793), Tier 1 risk-based capital ratio (RCOA7206), Total risk-based capital ratio (RCOA7205), Tier 1 leverage ratio (RCOA7204).
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Asset quality
| Line item | Q3 2026 |
|---|---|
| Nonperforming loans to loans | 0.11% |
| Nonperforming assets ratio | 0.09% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 1.07% |
| Allowance for credit losses to loans | 0.82% |
| Reserve coverage of nonperforming loans | 760.05% |
Earnings
Yield on earning assets changed the most here, up 0.14 points to 5.84% in Q3 2026 from 5.70% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Return on assets | 1.54% |
| Return on equity | 18.27% |
| Net interest margin | 4.64% |
| Efficiency ratio | 57.83% |
| Yield on earning assets | 5.84% |
| Cost of funds | 1.23% |
Liquidity and funding
Deposits to assets changed the most here, up 1.11 points to 89.76% in Q3 2026 from 88.65% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 93.24% |
| Core deposits to total deposits | 90.09% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.76% |
| Securities to assets | 7.26% |
Vital Signs trend
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q4 2023 | 11.64% | 11.64% | 12.49% | 9.26% | 0.84% |
| Q1 2024 | 11.62% | 11.62% | 12.48% | 9.23% | 0.78% |
| Q2 2024 | 11.80% | 11.80% | 12.65% | 9.34% | 0.71% |
| Q3 2024 | 10.26% | 10.26% | 11.11% | 8.55% | 0.41% |
| Q4 2024 | 10.34% | 10.34% | 11.19% | 8.17% | 0.86% |
| Q1 2025 | 10.23% | 10.23% | 11.09% | 8.01% | 1.16% |
| Q2 2025 | 10.31% | 10.31% | 11.18% | 8.11% | 1.23% |
| Q3 2025 | 10.51% | 10.51% | 11.40% | 8.14% | 1.28% |
| Q4 2025 | 10.64% | 10.64% | 11.53% | 8.34% | 1.38% |
| Q1 2026 | 10.72% | 10.72% | 11.61% | 8.60% | 1.43% |
| Q2 2026 | 10.97% | 10.97% | 11.86% | 8.81% | 1.54% |
| Q3 2026 | 11.14% | 11.14% | 12.03% | 8.98% | 1.54% |
Skyline National Bank vital signs, quarter by quarter
Vital Signs since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full Skyline National Bank profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 6861) · FFIEC NIC profile (RSSD 90328)