Skyline Bankshares, Inc. · OTC:SLBK
Skyline Bankshares — Investor Presentation (September 2026)
24 slides from Skyline Bankshares's investor presentation, September 2026
Slide 1: Skyline Bankshares, Inc. Investor Presentation
INVESTOR PRESENTATION Skyline Bankshares, Inc. Holding Company for
Slide 2: Forward Looking Statement Disclaimer
Forward Looking Statement Disclaimer This presentation contains certain “forward-looking statements” within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934 as amended. These include statements as to expectations regarding f
Slide 3: Our Values
Our Values Smart Young-at-Heart Inspired Energetic Clever minds We surprise Extraordinary This is create change. and delight. passion drives us. contagious. Kind Local Nonconforming We’re never wrong We’re from here. We don’t do mediocre by doing right. We own it. or status quo. pg 2 SkylineNational
Slide 4: Highlights and History
Highlights and History GROWING COMMUNITY BANK TICKER: SLBK (OTC QX) as of June 30, 2026 Assets: $1.33 billion Highlights: Loans: $1.11 billion MARKET CAP: $138.3 million as of August 11, 2026 Deposits: $1.18 billion 1 Network: 28 branches 2 lpo’s # deposit share IN HOME COUNTIES OF GRAYSON AND FLOYD
Slide 5: Demonstrated History of Successful Expansion
Demonstrated History of Successful Expansion TOTAL ASSETS November, 2015 July 1, 2016 April 19, 2018 December 2, 2019 February 9, 2022 April 17, 2024 June 30, 2026 (in thousands) Parkway Acquisition Grayson West Jefferson Mocksville branch opened Hickory Viewmont Announced merger with Dobson branch
Slide 6: Markets Served
Markets Served Current Markets Roanoke / Blacksburg / NRV ROANOKE • Healthcare – Carillion Clinic, Lewis Gale Hospitals 77 Salem • Education – Virginia Tech, Radford University, Roanoke College Blacksburg Cave Spring 81 • Industry – Ballast Point, Northfolk Southern, Volvo, PepsiCo Fairlawn Christia
Slide 7: Investment Rationale
Investment Rationale UNRECOGNIZED VALUE – 8/11/26 price of $27.00/sh is less than CURRENT SHARES OUTSTANDING: 5,672,204 at 6/30/2026 7.6x annualized Q2, ‘26 EPS SHARE REPURCHASE PROGRAM IMPROVED SCALE AND GEOGRAPHY • Over 12% outstanding shares (708,971) repurchased • 2016 MOE – Roanoke and New Rive
Slide 8: Trading at a Substantial Discount to Peers
Trading at Trading ataaSubstantial SubstantialDiscount Discounttoto Peers Peers Price / Most Recent Quarter Annualized After-Tax Pre-Provision Earnings Per Share: SLBK vs Peers 14.9 12.8 12.0 11.0 10.4 10.2 9.8 8.1 7.9 7.5 7.3 7.3 7.0 6.9 6.8 6.5 6.5 6.1 6.0 5.9 5.7 5.7 Peer 1 Peer 2 Peer 3 Peer 4 P
Slide 9: Strong and Improving Financial Performance
Strong and Improving Financial Performance Earnings Per Share Efficiency Ratio (%) Core Return on Average Assets (%) Return on Average Tangible Common Equity (%) Source: S&P Capital IQ pg 8 SkylineNational.Bank
Slide 10: Dominant Deposit Market Share in Core Markets
Dominant Deposit Market Share in Core Markets #1 rank in counties representing ~30% of total deposits Top 2 rank in counties representing ~50% of total deposits > 50% market share in top 2 deposit markets (Floyd and Grayson Counties) (1) Source: S&P Capital IQ; FDIC Summary of Deposits Survey for Ju
Slide 11: Resilient, Low-Cost Funding Base
Resilient, Low-Cost Funding Base Skyline National Bank Cost of Interest-Bearing Deposits vs Fed Funds Rate Source: S&P Capital IQ pg 10 SkylineNational.Bank
Slide 12: Financial Information
Financial Information
Slide 13: Condensed Balance Sheets
Condensed Balance Sheets • Investment securities at 6/30/2026 > No HTM securities June 30, March 31, December 31, June 30, > Modified duration 5.3 (in thousands, except per share data) 2026 2026 2025 2025 > @ $48.2 million with average maturity of 3.4 years Assets Cash and Cash Equivalents $ 19,902
Slide 14: Condensed Income Statements
Condensed Income Statements Net Interest Margin 4.75% — 4.62% Three Months Ended Six Months Ended 4.55% 4.50% — June 30, June 30, June 30, June 30, 4.27% (in thousands, except per share data) 2026 2025 2026 2025 4.25% — 4.00% — 3.82% 3.76% Interest Income $ 17,541 $ 16,264 $ 34,458 $ 31,748 3.75% —
Slide 15: Loan Portfolio
Loan Portfolio Data as of June 30, 2026 Other C&D C&I 2% 6% Diverse portfolio – by loan type, industry, and geography Farmland 5% 2% 90% adjustable/variable - 10% fixed Weighted average yield of 6.14% Granular small business and retail portfolio: • Average balance 1-4 family RE is $114,805 CRE 29% •
Slide 16: Commercial Real Estate
Commercial Real Estate Data as of June 30, 2026 Office includes, but not limited to: Office • Professional Services 18% Other • Personal Services 17% • Offices of Real Estate Agents and Brokers • Property Managers • Insurance Agencies • Investment Services and Portfolio Management Restaurant • Child
Slide 17: Deposit Portfolio
Deposit Portfolio Data as of June 30, 2026 Time Deposits > $250K Geographic diversity – Individual market pricing potential 10% Time Deposits < $250K Cost of funds Q2: 113 bps 20% Noninterest DDAs 31% Core deposits to total deposits: 90% Core deposits to total assets: 80% (FDIC peer group average 73
Slide 18: Skyline Family – Overview
Skyline Family – Overview Culture Investing in the future • “Always our Best” • Eleven graduates from the Virginia Bankers School of Bank Management (two top bankers in their class and one tied for Corporate Governance second place in their class) with two currently enrolled • 15 Directors with annu
Slide 19: Skyline Family – Leadership
Skyline Family – Leadership NAME POSITION EDUCATION AGE EXPERIENCE Thomas Jackson Chairman of the Board Hampden Sydney College, College of William and Mary, J.D. 69 24 David McNeill Vice-Chairman of the Board University of North Carolina - Chapel Hill 70 13 Blake Edwards Chief Executive Officer Radf
Slide 20: Moving Forward
Moving Forward Quality Growth • Organic • LPOs • Branch expansion • Small bank acquisition Performance Downtown Hickory, NC pg 19 SkylineNational.Bank
Slide 21: Appendix
APPENDIX Skyline National Bank ALWAYS OUR BEST
Slide 22: Selected Public Peer Group
Selected Public Peer Group Note 1: Financial data as of or for the most recent period ended; bank level data used where consolidated data unavailable; market data as of August 18, 2026 Note 2: Analysis excludes merger targets Source: S&P Capital IQ Pro SkylineNational.Bank
Slide 23: Reconciliation of Non-GAAP Financial Measures
Reconciliation of Non-GAAP Financial Measures In addition to financial statements prepared in accordance with U.S. June 30, March 31, December 31, June 30, generally accepted accounting (dollars in thousands except share amounts) 2026 2026 2025 2025 principles (“GAAP”), the Company uses certain non-
Slide 24: Skyline Bankshares, Inc. – Thank you
Thank you for the opportunity to share the Skyline story. We are happy to answer any questions you might have. BLAKE EDWARDS President and CEO bedwards@skylinenationalbank.com 1.276.773.2811 Skyline Bankshares, Inc. Holding Company for
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