BlastPoint's Banking Scorecard
SKYLINE NATIONAL BANK
Community
Specialty: Commercial
VA
FDIC cert 6861
Independence, VA
1484
banks in Community tier nationally
32 in VA
View Community leaderboard (VA) →
SKYLINE NATIONAL BANK has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 73% in Community
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 40% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
+6.2% YoY
-1.0% QoQ
|
-$98.4M |
$1.4B
+2.0% YoY
|
$17.5B
+24.6% YoY
|
$5.9B
+6.5% YoY
|
63% |
| Total Loans ? |
$1.0B
+7.5% YoY
+2.1% QoQ
|
+$74.1M |
$975.5M
+2.4% YoY
|
$10.7B
+28.4% YoY
|
$3.1B
+8.5% YoY
|
69% |
| Total Deposits ? |
$1.2B
+7.9% YoY
+0.7% QoQ
|
+$13.6M |
$1.2B
+1.7% YoY
|
$13.8B
+21.4% YoY
|
$4.7B
+6.3% YoY
|
67% |
| Return on Assets ? |
1.29%
+83.5% YoY
+3.6% QoQ
|
+0.12% |
1.16%
+17.2% YoY
|
0.94%
+24.9% YoY
|
1.12%
+15.6% YoY
|
62% |
| Net Interest Margin ? |
4.41%
+12.3% YoY
+1.5% QoQ
|
+0.74% |
3.66%
+9.1% YoY
|
3.66%
+9.0% YoY
|
3.75%
+7.1% YoY
|
84% |
| Efficiency Ratio ? |
61.63%
-18.1% YoY
-1.2% QoQ
|
-1.00% |
62.63%
-5.3% YoY
|
66.70%
-6.7% YoY
|
65.09%
-5.1% YoY
|
52% |
| Delinquency Rate ? |
0.46%
+74.6% YoY
+110.2% QoQ
|
-0.17% |
0.63%
+18.3% YoY
|
0.75%
+37.7% YoY
|
0.66%
+20.3% YoY
|
50% |
| Loan-to-Deposit Ratio ? |
89.08%
-0.3% YoY
+1.4% QoQ
|
+6.02% |
83.06%
+0.3% YoY
|
79.98%
+0.8% YoY
|
78.04%
+0.7% YoY
|
37% |
| Non-Interest-Bearing Deposit Share ? |
31.49%
+1.8% YoY
+1.2% QoQ
|
+10.45% |
21.05%
-0.9% YoY
|
24.23%
+0.2% YoY
|
21.79%
-1.3% YoY
|
Top 13% in tier |
| Nonperforming Asset Ratio ? |
0.37%
+67.5% YoY
+116.8% QoQ
|
-0.13% |
0.50%
+20.3% YoY
|
0.53%
+39.4% YoY
|
0.48%
+20.8% YoY
|
48% |
| Tier 1 Capital Ratio ? |
10.64%
+3.0% YoY
+1.3% QoQ
|
+0.40% |
10.24%
-0.6% YoY
|
11.48%
+7.9% YoY
|
9.75%
-1.9% YoY
|
34% |
| Non-Interest Income / Assets ? |
0.60%
-1.6% YoY
+39.2% QoQ
|
-0.14% |
0.74%
-1.3% YoY
|
0.64%
-0.2% YoY
|
0.65%
+0.6% YoY
|
61% |
Signature Analysis
Strengths (1)
Deposit Franchise
growth
#110 of 150 · Top 73% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
31.49%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
4.41%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank improving
Concerns (1)
Credit Risk Growth
risk
#257 of 642 · Bottom 40% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
87
87th pctile
Non-Interest-Bearing Deposit Share
Current: 31.49% · Tier avg: 21.05%
84
84th pctile
Net Interest Margin
Current: 4.41% · Tier avg: 3.66%
69
69th pctile
Total Loans
Current: $1.0B · Tier avg: $975.5M
67
67th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
63
63th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
62
62th pctile
Return on Assets
Current: 1.29% · Tier avg: 1.16%
61
61th pctile
Non-Interest Income / Assets
Current: 0.60% · Tier avg: 0.74%
52
52th pctile
Efficiency Ratio
Current: 61.63% · Tier avg: 62.63%
50
50th pctile
Delinquency Rate
Current: 0.46% · Tier avg: 0.63%
48
48th pctile
Nonperforming Asset Ratio
Current: 0.37% · Tier avg: 0.50%
37
37th pctile
Loan-to-Deposit Ratio
Current: 89.08% · Tier avg: 83.06%
34
34th pctile
Tier 1 Capital Ratio
Current: 10.64% · Tier avg: 10.24%
Top Weaknesses
34
34th pctile
Tier 1 Capital Ratio
Current: 10.64% · Tier avg: 10.24%
37
37th pctile
Loan-to-Deposit Ratio
Current: 89.08% · Tier avg: 83.06%
48
48th pctile
Nonperforming Asset Ratio
Current: 0.37% · Tier avg: 0.50%
50
50th pctile
Delinquency Rate
Current: 0.46% · Tier avg: 0.63%
52
52th pctile
Efficiency Ratio
Current: 61.63% · Tier avg: 62.63%
61
61th pctile
Non-Interest Income / Assets
Current: 0.60% · Tier avg: 0.74%
62
62th pctile
Return on Assets
Current: 1.29% · Tier avg: 1.16%
63
63th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
67
67th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
69
69th pctile
Total Loans
Current: $1.0B · Tier avg: $975.5M
84
84th pctile
Net Interest Margin
Current: 4.41% · Tier avg: 3.66%
87
87th pctile
Non-Interest-Bearing Deposit Share
Current: 31.49% · Tier avg: 21.05%