---
schema_version: "secwatch.filing_event.v1"
accession: "0001437749-25-002999"
form_type: "8-K"
ticker: "SLBK"
cik: "0001657642"
company_name: "Skyline Bankshares, Inc."
filed_at: "2025-02-06T23:59:59+00:00"
generated_at: "2026-05-27T01:41:29.139995+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Skyline Bankshares Q4 net income $2.5M ($0.45), NIM expands to 4.10%

## Summary
- Adjusted Q4 EPS $0.58 excl. $923K merger costs; net income $2.5M vs $2.2M in Q4 2023.
- Net interest margin 4.10% vs 3.69% YoY; core loan growth $31.4M (13.13% annualized).
- Total assets $1.22B (+16.42% YoY), loans $976.4M net (+20.4%), deposits $1.09B (+17.6%).
- Nonperforming loans / total loans 0.26%; allowance for credit losses 0.82% of loans.
- Year net income $7.4M ($1.34) vs $9.7M ($1.74) in 2023; JCB acquisition closing costs $2.4M.

## SEC filing metadata
- accession: 0001437749-25-002999
- form_type: 8-K
- ticker: SLBK
- cik: 0001657642
- company_name: Skyline Bankshares, Inc.
- filed_at: 2025-02-06T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1657642/000143774925002999/0001437749-25-002999-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1657642/000143774925002999/pkkw20250206_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-25-002999
- JSON: https://secwatch.observer/filing/0001437749-25-002999.json
- Plain text: https://secwatch.observer/filing/0001437749-25-002999.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.