Skyline Bankshares is a community bank holding company headquartered in Floyd, Virginia, operating through its subsidiary Skyline National Bank. The Bank serves individuals, families, and businesses across rural and small-town markets in southwestern Virginia, western North Carolina, and eastern Tennessee through 28 full-service branches and two loan production offices. Skyline's core business is lending — primarily real estate loans — funded by deposits gathered from the local communities it serves. The loan portfolio is heavily weighted toward real estate, with residential mortgages representing 56% of loans, commercial real estate at 29%, and construction and development at 6%. Like most community banks, Skyline earns the spread between what it pays on deposits and what it charges on loans. The Bank funds its lending primarily through core deposits — savings, checking, money market, and CDs — which made up about 90% of total deposits. Skyline has grown through acquisitions of smaller community banks in adjacent markets, including Great State Bank in North Carolina in 2018 and Johnson County Bank in Tennessee in 2024 for $25M in cash. Skyline argues its competitive advantage lies in localized decision-making and personal relationships, which it positions against larger regional banks and online lenders.