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Personal Business

Personal Business

Peer Analysis

Performance Ratios (%) FBVA Peer Median Peer Average
ROAA 1.27 0.81 0.76
ROAE 11.85 9.64 7.53
Net Interest Margin NA 3.72 3.57
Efficiency Ratio NA 71.98 74.41
Loans / Deposits 76.75 86.97 87.79
Asset Quality Ratios (%)
NPAs / Assets NA 1.04 1.04
NCOs / Avg Loans NA 0.07 0.06
Reserves / Loans 2.06 0.89 0.86
Reserves / NPAs NA 58.90 74.40
Capital Ratios (%)
Tier 1 Capital NA 12.26 15.18
Tangible Equity / Tangible Assets NA 9.51 9.59
Total Equity / Total Assets 11.41 9.56 9.80
Market Ratios
Price / Earnings (x) 9.80 11.18 12.36
Price / Book (%) NA 102.36 107.06
Dividend Yield (%) 2.71 1.74 1.58
Data for trailing four quarters

Farmers Bankshares, Inc.'s peer group consists of the following: Bank of Botetourt (BORT), Bank of the James Financial Group, Inc. (BOTJ), Bay Banks of Virginia, Inc. (BAYK), Benchmark Bankshares, Inc. (BMBN), Citizens Bancorp of Virginia, Inc. (CZBT), Cordia Bancorp Inc., Heritage Bankshares, Inc., HomeTown Bankshares Corporation, Pinnacle Bankshares Corporation (PPBN), Village Bank and Trust Financial Corp. (VBFC)

Farmers Bankshares, Inc.'s financial data is as of 6/30/2019.

Peer financial data is as of 6/30/2019 except for these companies:

Heritage Bankshares, Inc.'s financial data is as of 12/31/2015.
Pinnacle Bankshares Corporation's financial data is as of 9/30/2019.
Bank of the James Financial Group, Inc.'s financial data is as of 9/30/2019.
Village Bank and Trust Financial Corp.'s financial data is as of 9/30/2019.
HomeTown Bankshares Corporation's financial data is as of 12/31/2018.
Cordia Bancorp Inc.'s financial data is as of 6/30/2016.
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