Peer Analysis

Performance Ratios (%) FBSS Peer Median Peer Average
ROAA 0.97 0.85 0.90
ROAE 10.97 9.16 8.61
Net Interest Margin 3.78 3.64 3.82
Efficiency Ratio 73.63 68.40 68.79
Loans / Deposits 88.80 89.77 91.04
Asset Quality Ratios (%)
NPAs / Assets 0.80 1.08 1.02
NCOs / Avg Loans 0.01 0.06 0.14
Reserves / Loans 0.99 0.82 1.04
Reserves / NPAs 92.78 73.40 123.36
Capital Ratios (%)
Tier 1 Capital NA 12.36 12.65
Tangible Equity / Tangible Assets 9.08 9.59 9.42
Total Equity / Total Assets 9.08 10.00 10.53
Market Ratios
Price / Earnings (x) 11.45 12.60 14.73
Price / Book (%) 118.24 114.24 113.99
Dividend Yield (%) 2.43 1.95 1.89
Data for trailing four quarters

Fauquier Bankshares, Inc.'s peer group consists of the following: Access National Corporation (ANCX), Bay Bancorp, Inc., C&F Financial Corporation (CFFI), Community Financial Corporation (TCFC), Eagle Financial Services, Inc. (EFSI), Eastern Virginia Bankshares, Inc. (EVBS), First Capital Bancorp, Inc., Glen Burnie Bancorp (GLBZ), Middleburg Financial Corporation (MBRG), Monarch Financial Holdings, Inc., Old Line Bancshares, Inc., 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 9/30/2019.

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

Bay Bancorp, Inc.'s financial data is as of 3/31/2018.
Middleburg Financial Corporation's financial data is as of 12/31/2016.
Eastern Virginia Bankshares, Inc.'s financial data is as of 3/31/2017.
Access National Corporation's financial data is as of 12/31/2018.
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.

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