Peer Analysis

Performance Ratios (%) BAYK Peer Median Peer Average
ROAA 0.54 1.14 1.12
ROAE 4.88 10.30 10.00
Net Interest Margin 3.40 3.69 3.85
Efficiency Ratio 73.00 68.60 66.61
Loans / Deposits 104.26 87.56 87.53
Asset Quality Ratios (%)
NPAs / Assets 1.16 0.58 0.78
NCOs / Avg Loans 0.17 0.07 0.13
Reserves / Loans 0.80 0.85 1.02
Reserves / NPAs 58.16 102.47 136.18
Capital Ratios (%)
Tier 1 Capital NA 14.15 14.60
Tangible Equity / Tangible Assets 10.25 9.94 10.47
Total Equity / Total Assets 11.23 10.73 11.51
Market Ratios
Price / Earnings (x) 18.86 12.64 13.22
Price / Book (%) 88.64 117.41 121.10
Dividend Yield (%) 0.00 1.73 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 9/30/2019.

Peer financial data is as of 9/30/2019 except for these companies:

HopFed Bancorp, Inc.'s financial data is as of 3/31/2019.

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