Skyline Bankshares Inc
skylinebanksharesinc.q4ir.comWhat Do They Do?
Provides retail and commercial banking services, including loans and deposit accounts, to individuals and businesses.
10-K for FY2025, filed Mar 20, 2026Skyline Bankshares, Inc. (the “Company”), is a bank holding company headquartered in Floyd, Virginia. The Company offers a wide range of…View ↗
The Bank’s lending services include real estate, commercial, agricultural, and consumer loans. The loan portfolio constituted 89.74% of the…View ↗
Deposit ActivitiesView ↗
How Do They Make Money?
Financial-service fees include card, ATM, merchant, and other service charges, paid when services are provided; deposit-account fees include monthly and transaction charges, with payment usually immediate or the following month. Mortgage commissions arrive when loans close and are funded.
10-K for FY2025, filed Mar 20, 2026ATM, Credit, Debit Card & Merchant Services Fees - ATM fees are primarily generated when a Company cardholder uses a non-Company ATM or a…View ↗
Other Service Charges and Fees - Other service charges include safety deposit box rental fees, check ordering charges, and other service…View ↗
Service Charges on Deposit Accounts - Service charges on deposit accounts consist of monthly service fees, overdraft and nonsufficient…View ↗
Mortgage Origination Fees – Mortgage origination fees consist of commissions received on mortgage loans closed in the secondary market. The…View ↗
$65.7M
-
10-K for FY2025, filed Mar 20, 2026
$65.7M ↗
| Segment | Share | Revenue | How money arrives |
|---|---|---|---|
|
Deposit Account
Mix
10-K for FY2025, filed Mar 20, 2026 |
36%
FY2022: 35%
|
Deposit Account, FY2025
$2.5M Sources
|
Mix |
|
Financial Service, Other
Mix
10-K for FY2025, filed Mar 20, 2026 |
60%
FY2022: 58%
|
Financial Service, Other, FY2025
$4.2M Sources
|
Mix |
|
Mortgage Banking
Sold outright
|
3.4%
FY2022: 7.3%
|
Mortgage Banking, FY2025
$238K Sources
|
Sold outright |
Who Are Their Customers?
Retail customers and businesses use Skyline National Bank for banking services through its full-service offices and loan production offices.
10-K for FY2025, filed Mar 20, 2026
Do Revenues Turn Into Profits?
Yes. It kept 24 cents of every revenue dollar as net income in FY2025 and turned 16 cents into free cash flow.
How Are They Changing?
10-Q for Q2 FY2026, filed Aug 14, 2026
Open tableView ↗
Growing. Revenue grew 89% in 4 years, from $34.8M in FY2021 to $65.7M in FY2025, about 17% a year.
Expanded service area
The bank's service area has expanded beyond Virginia and North Carolina to include Johnson County, Tennessee.
10-K for FY2022, filed Mar 28, 2023 10-K for FY2025, filed Mar 20, 2026The Bank was organized under the laws of the United States in 1900 and now serves the Virginia counties of Grayson, Floyd, Carroll, Wythe…View ↗
The Bank was organized under the laws of the United States in 1900 and now serves the Virginia counties of Grayson, Floyd, Carroll, Wythe…View ↗
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