Peer Analysis

Performance Ratios (%) BAYK Peer Median Peer Average
ROAA 0.39 1.01 1.01
ROAE 3.36 9.39 9.36
Net Interest Margin 3.61 3.69 3.87
Efficiency Ratio 80.75 66.66 67.43
Loans / Deposits 107.11 91.07 89.80
Asset Quality Ratios (%)
NPAs / Assets 1.20 0.64 0.77
NCOs / Avg Loans 0.15 0.09 0.15
Reserves / Loans 0.88 0.88 1.04
Reserves / NPAs 61.17 102.01 133.99
Capital Ratios (%)
Tier 1 Capital 11.77 13.14 14.05
Tangible Equity / Tangible Assets 9.82 9.65 10.20
Total Equity / Total Assets 10.87 10.31 11.28
Market Ratios
Price / Earnings (x) 26.17 13.14 15.03
Price / Book (%) 88.22 120.82 123.76
Dividend Yield (%) 0.00 1.54 1.57
Data for trailing four quarters

Bay Banks of Virginia, Inc.'s peer group consists of the following: C&F Financial Corporation (CFFI), CapStar Financial Holdings, Inc. (CSTR), Community Bankers Trust Corporation (ESXB), First Community Corporation (FCCO), First United Corporation (FUNC), HopFed Bancorp, Inc. (HFBC), Limestone Bancorp, Inc. (LMST), MVB Financial Corp. (MVBF), National Bankshares, Inc. (NKSH), Old Point Financial Corporation (OPOF), Peoples Bancorp of North Carolina, Inc. (PEBK), Premier Financial Bancorp, Inc. (PFBI), Reliant Bancorp, Inc. (RBNC), Select Bancorp, Inc. (SLCT), Shore Bancshares, Inc. (SHBI), SmartFinancial, Inc. (SMBK), Southern First Bancshares, Inc. (SFST)

Bay Banks of Virginia, Inc.'s financial data is as of 12/31/2018.

Peer financial data is as of 12/31/2018

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