Skyline Bankshares, Inc. · OTC:SLBK
Skyline Bankshares — Investor Presentation (September 2025)
26 slides from Skyline Bankshares's investor presentation, Sep 3, 2025
Slide 1: Skyline Bankshares
Exhibit 99.1 &} Skyline Holding Company for 5.) Skyline ALWAYS OUR BEST
Slide 2: Forward Looking Statement Disclaimer
Forward Looking Statement Disclaimer r< Raters Bank certain Cr Tea So VE RIOECeth SOAP ANC Coa ors Seaton 21€ ofthe ig future financial performance and any ee eee eat etareaian ‘We intend such forward-looking Siemon cred y the safe harbor provisions for contained in es statement for purposes of (gee
Slide 3: Our Values
Our Values ‘Smart Young-at-Heart Inspired Energetic Skyline Kind Local Nonconforming po SkylineNational.@ank
Slide 4: Highlights and History
Highlights and History GROWING COMMUNITY BANK TICKER SLBK ore Qx) as of June 30, 2025 Assets: $1.28 billion Highlights: Pr as of ce Loans: $1.03 bittion MARKET Pass) 7 8 MINION Accuse 11,2005 Deposits: $1.14 pittion Network: 28 branches #4 deposit iy Home counties oF 2 Ipo's share GRAYSON AND FLOYD,
Slide 5: Demonstrated History of Successful Expansion
Demonstrated History of Successful Expansion 1,200,000 1,100,000 1,000,000 $900,000 $800,000 $700,000 $600,000 $331760 2o18y Jatys2016 Mah. 2087 Api. 2008 ‘Goyson tame corgeio ten Brees Ky 08 sass 2016y 2ory 2018y RAYMOND JAMES 2019 20207 zon $907,734 nov dayzsong $1,217,500 202sy 20y $1,762,848 202
Slide 6: Markets Served
Markets Served Q Current Markets Roanoke / Blacksburg / NRV “eater ~ Calon ine, Level Howe + Education - Vcgnia Tech, Radford Unive roa oles “Industy Balas Pot Noho Souter, VoWo Boone / Wilkes / Yadkin / Ashe = Hence —pachinn Regina Heathens Sytem + Industy ~ Tyson, Lowes, GE Aviation, on Lydall Ind
Slide 7: Investment Rationale
Investment Rationale Zs Zz UNRECOGNIZED VALUE ~ 8/11/25 price of $17.14/sh is less than CURRENT SHARES OUTSTANDING: 5,651,704 at 6/30/2025 65x annualized Q2, '25 EPS IMPROVED SCALE AND GEOGRAPHY + 2016 MOE — Roanoke and New River Valleys + 2018 Acquisition — Increased NC presence + 2024 Acquisition
Slide 8: Trading at a Substantial Discount to Peers
Trading at a Substantial Discount to Peers LBK vs Peers 128 120 10 104 402 oa a 7373 10 as gg 65 6s Peert Peer? Pears Peer4 Peers Peers Peer7 Peer 8 Peor9 Peer 10 Peer tt Peer 12 Peer 13 Peer 14 Peer 15 Peer 16 Peer 17 Peer 18 Peer 19 SLBK Peer 20 Peer 21 pa? SkylineNational.Bank
Slide 9: Strong and Improving Financial Performance
Strong and Improving Financial Performance Earnings Per Share s27 Q cS a $0.58 2015 (02 2025 Annualized Core Return on Average Assets (%) 1.20% 0.38% 2015 (22 2025 Annualized Efficiency Ratio (%) aso ~ 2 |e ,, 628% 2015 (22 2025 Annualized Return on Average Tangible Common Equity (%) 13.9% 4 22% 201
Slide 10: Dominant Deposit Market Share in Core Markets
Dominant Deposit Market Share in Core Markets jositsin Deposit Market Branche: pe it % Rank Market _Market($M) Market Share Franchise County State rn Floyd VA 1 2 $156 51.8% 145% Grayson vA 1 5 144 76.2% 13.4% Carroll vA 2 2 133, 33.0% 12.3% #1 rank in counties Johnson IN 2 1 127 37.1% 11.8% represe
Slide 11: Resilient, Low-Cost Funding Base
Resilient, Low-Cost Funding Base FEES SISSIES SOI PII ISI SIS I I III IIIS SIS Cost of 1B Deposits —Fed Funds pa 10 SkylineNational.Bank
Slide 12: Markets are Target Rich
Z @ = Ss arkets are Target Rich Number of Banks with $100M - $1B in Assets + Skyline entered the attractive ‘eastern Tennessee market through its acquisition of Johnson County Bank in September 2024 + Johnson County Bank added ~$154M in assets and an attractive, low-cost deposit franchise «Tennessee
Slide 13: New Markets Have Attractive Demographics
New Markets Have Attractive Demographics 2025-2030 Projected Population CAGR: Median Household Income 4.96% se9.684 $57:830 0.79% Legacy Franchise State of Tennessee Legacy Franchise State of Tennessee Source: SBP Caplio apn Francie depot vei average. pa 12 SkylineNational.Bank
Slide 14: Skyline
Skyline ALWAYS OUR BEST
Slide 15: Condensed Balance Sheets
Condensed Balance Sheets + Investment securities at 6/30/2025 ™M securities > Modified duration 5.6 > @ $49.9 milion with mh average maturity of 3.5 year + Strong Q (Gn thousands, except per share data) Assets ‘Cash and Cash Equivalents > Assets 10.05% > Core Loans 10.95% > Deposits 9.22% + Loan-to-
Slide 16: Condensed Income Statements
Condensed Income Statements Net Interest Margin Three Months Ended _Six Months Ended 4.50% June 30, June 30, June 30, June 30, 425% 4.15% (thousands, except pershare data) 2026 2024 2025 2028 4.00% 3.00% 368% 276% Interest income $16264 $12400 $31,748 $24,386 3.75% fs Interest Expense 3004 «32077585
Slide 17: Loan Portfolio
Loan Portfolio Data as of June 30, 2025 Ga Diverse portfolio — by loan type, Farmland 6% \dustry, and geography 87% adjustableivariable - 13% fixed Weighted average yield of 5.99% Granular small business and retail portfolio: + Average balance 1-4 family RE is $107,928 CRE + Average balance CRE loan
Slide 18: Commercial Real Estate
Commercial Real Estate Data as of June 30, 2025 Office includes, but not limited to: + Professional Services + Personal Services + Offices of Real Estate Agents and Brokers + Property Managers + Insurance Agencies + Investment Services and Portfolio Management = Child Care Services + Motor Vehicle D
Slide 19: Deposit Portfolio
Deposit Portfolio Data as of June 30, 2025, Time Deposits Ge hic diversity — Individual market pricing potential — jeographic diversity — Individual mar icin al graphic diversity — Individu pricing potenti in beposita fae < $250K Cost of funds Q2: 131 bps 21% Noninterest DDAS Core deposits to total
Slide 20: Skyline Family — Overview
Skyline Family — Overview Culture + "Always our Best Corporate Governance +15 Directors with annual terms + Independent Chair & Vice-Chair +7 Committees Management Team + Market knowledge + Complimentary skills in core functions. + Depth with built-in succession + M&A experience ~ 3 deals closed suc
Slide 21: Skyline Family — Leadership
Skyline Family — Leadership pa 20 POSITION EDUCATION Chairman of the Board Hampden Sydney College,College of William and Mary, J.D. the Board niversity li Hill Chief Executive Officer Radford University. Chief Financial Officer Chief Risk Officer Chief Operations Officer VA State President Chief Ret
Slide 22: Moving Forward
Moving Forward —————— \S) AA Ove PF...
Slide 23: Appendix
APPENDIX % Skyline National Bank ALWAYS OUR BEST
Slide 24: Selected Public Peer Group
Selected Public Peer Group HEADQUARTERS: Vii, Nor Catin & Termes Tent ROMA: 027%— 1.80% Bank Overview Financial and Perfomance Figures Trading Data al noses Toe uur ey_orazoas tana um mas amteag ow to, sets Aes so ROM ORE Wa Rano) ce tan tow "tap gov ws Toy Anes eampanytane sme rer racy arenes toma)
Slide 25: Reconciliation of Non-GAAP Financial Measures
Reconciliation of Non-GAAP Financial Measures In addition to financial statements March 31, December 31, June 30, 2025 2024 2024 prepared in accordance with U.S, ean generally accepted accounti (@ollars in thousands except share amounts) 2025 principles (GAAP’), the Company uses Pl Equity (GAAP) Ss
Slide 26: Thank you for the opportunity to share the Skyline story
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 % Skyline Nationa! Bank ALWAYS OUR BEST
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