🏦Bank Scorer

SKYLINE NATIONAL BANK

INDEPENDENCE, VA · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1900FDIC #6,861
Satisfactory Down

Current rating · Exam: August 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.45%

Institution Profile

FDIC BankFind

Address

113 W Main St, INDEPENDENCE, VA

County

Grayson County

Established

October 6, 1900

Total Assets

$1.3B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

August 25, 2025

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Aug 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.3B

Total Deposits

$1.2B

Net Loans

$1.1B

Net Income

$5M

ROA

1.45%

Above avg for Community banks. Peer avg: 0.90%

ROE

17.36%

Risk-Based Capital

11.61%

Below avg for Community banks. Regulatory min: 8%

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

ROA1.45%Peer avg: 0.90%▲ Above avg
Risk-Based Capital11.61%Peer avg: 12.91%▼ Below avg
Mortgage Denial Rate6.83%Peer avg: 9.91%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

28

Branch Deposits

$1.1B

1-Year Change

+1

5-year net change: +6 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202461587.8%6.83%
202361886.41%6.47%
202273592.65%2.72%
202138991%2.83%
202040283.58%7.96%
201938075.53%15.00%
201837775.07%12.73%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam DateRatingExam Type
Aug 2025SatisfactoryIntermediate Small Bank
Aug 2022OutstandingIntermediate Small Bank
Jul 2019SatisfactoryIntermediate Small Bank

7 previous ratings locked — back to 1994

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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