Back to Top

Peer Analysis

Performance Ratios (%) FBSS Peer Median Peer Average
ROAA 0.60 0.81 0.93
ROAE 6.82 8.18 9.93
Net Interest Margin 3.50 3.69 3.87
Efficiency Ratio 83.61 70.95 72.37
Loans / Deposits 84.80 92.52 92.06
Asset Quality Ratios (%)
NPAs / Assets 1.63 0.96 1.16
NCOs / Avg Loans (0.19) 0.06 0.22
Reserves / Loans 0.98 0.96 1.22
Reserves / NPAs 44.44 61.78 131.08
Capital Ratios (%)
Tier 1 Capital NA 12.47 12.27
Tangible Equity / Tangible Assets 8.72 8.71 9.23
Total Equity / Total Assets 8.72 9.70 9.60
Market Ratios
Price / Earnings (x) 18.83 22.45 23.91
Price / Book (%) 127.15 138.88 151.36
Dividend Yield (%) 2.60 1.44 1.66
Data for trailing four quarters

Fauquier Bankshares, Inc.'s peer group consists of the following: Access National Corporation (ANCX), Bay Bancorp, Inc. (BYBK), C&F Financial Corporation (CFFI), Community Financial Corporation (TCFC), Eagle Financial Services, Inc. (EFSI), Eastern Virginia Bankshares, Inc. (EVBS), First Capital Bancorp, Inc. (FCVA), Glen Burnie Bancorp (GLBZ), Middleburg Financial Corporation (MBRG), Monarch Financial Holdings, Inc. (MNRK), Old Line Bancshares, Inc. (OLBK), Old Point Financial Corporation (OPOF), Southern National Bancorp of Virginia, Inc. (SONA), Village Bank and Trust Financial Corp. (VBFC)

Fauquier Bankshares, Inc.'s financial data is as of 12/31/2016.

Peer financial data is as of 12/31/2016 except for these companies:

Monarch Financial Holdings, Inc.'s financial data is as of 3/31/2016.
First Capital Bancorp, Inc.'s financial data is as of 9/30/2015.