Peer Analysis

 
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Performance Ratios (%)VBFCPeer
Median
Peer
Average
ROAA(0.38) 0.87 0.77 
ROAE(4.80) 8.63 8.26 
Net Interest Margin3.72 3.81 3.84 
Efficiency Ratio86.89 73.28 72.54 
Loans / Deposits95.30 93.68 93.55 
Asset Quality Ratios (%)   
NPAs / Assets2.29 0.92 1.09 
NCOs / Avg Loans0.03 0.14 0.17 
Reserves / Loans0.74 0.86 0.91 
Reserves / NPAs26.71 64.76 75.20 
Capital Ratios (%)   
Tier 1 CapitalNA 13.97 13.85 
Tangible Equity / Tangible Assets6.99 9.48 9.30 
Total Equity / Total Assets6.99 9.48 9.56 
Market Ratios   
Price / Earnings (x)NA 13.00 27.90 
Price / Book (%)127.12 119.90 121.82 
Dividend Yield (%)0.00 1.79 1.82 
Village Bank and Trust Financial Corp.'s peer group consists of the following: Bank of the James Financial Group, Inc. (BOTJ), Bay Banks of Virginia, Inc. (BAYK), Blue Ridge Bankshares, Inc. (BRBS), Eagle Financial Services, Inc. (EFSI), F & M Bank Corp. (FMBM), Fauquier Bankshares, Inc. (FBSS), First National Corporation (FXNC), HomeTown Bankshares Corporation (HMTA), Virginia Partners Bank (PTRS)

Village Bank and Trust Financial Corp.'s financial data is as of 9/30/2018.

Peer financial data is as of 9/30/2018  except for these companies:

Fauquier Bankshares, Inc.'s financial data is as of 12/31/2018.

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