Peer Analysis SUMMIT FINANCIAL GROUP, INC. (NASDAQ - SMMF)

Performance Ratios (%) SMMF Peer Median Peer Average
ROAA 1.13 1.21 1.16
ROAE 11.04 9.18 9.19
Net Interest Margin 3.68 3.62 3.81
Efficiency Ratio 51.69 56.53 60.26
Loans / Deposits 90.53 85.55 86.33
Asset Quality Ratios (%)
NPAs / Assets NA 0.55 0.68
NCOs / Avg Loans 0.08 0.11 0.15
Reserves / Loans NA 1.04 1.15
Reserves / NPAs NA 122.65 208.96
Capital Ratios (%)
Tier 1 Capital 9.70 NA NA
Tangible Equity / Tangible Assets 7.64 9.46 9.41
Total Equity / Total Assets 9.21 12.42 12.15
Market Ratios
Price / Earnings (x) 7.28 8.68 8.45
Price / Book (%) 78.19 71.57 73.27
Dividend Yield (%) 4.27 4.61 4.43
Data for trailing four quarters

Summit Financial Group, Inc.'s peer group consists of the following: , Access National Corporation, American National Bankshares Inc. (AMNB), C&F Financial Corporation (CFFI), Community Bankers Trust Corporation (ESXB), First Community Bankshares, Inc. (FCBC), MVB Financial Corp. (MVBF), National Bankshares, Inc. (NKSH), Premier Financial Bancorp, Inc. (PFBI), Southern National Bancorp of Virginia, Inc. (SONA)

Summit Financial Group, Inc.'s financial data is as of 6/30/2020.

Peer financial data is as of 6/30/2020 except for these companies:

Access National Corporation's financial data is as of 12/31/2018.