Performance Ratios (%) smmf Peer Median Peer Average
ROAA 0.73 0.93 0.65
ROAE 7.99 9.35 6.87
Net Interest Margin 3.88 3.25 3.31
Efficiency Ratio 47.90 68.35 71.29
Loans/ Deposits 95.11 88.13 86.35
Asset Quality Ratios (%) smmf Peer Median Peer Average
NPAs/ Assets 0.35 0.41 1.03
NCOs/ Avg Loans 0.44 0.08 0.16
Loan Loss Reserves/ Gross Loans 1.29 1.19 1.34
Reserves/ NPAs 286.90 167.32 142.98
Capital Ratios (%) smmf Peer Median Peer Average
Tier 1 Ratio 9.50 12.71 12.67
Tangible Equity/ Tangible Assets 7.52 7.61 8.07
Total Equity/ Total Assets 9.08 8.18 9.06
Market Ratios smmf Peer Median Peer Average
Price / Earnings after Extra 5.40 7.83 6.87
Price / Book 86.80 98.92 102.45
Dividend Yield 3.36 3.26 3.16


Most Recent Quarter Ending 6/30/2023

Peer banks selected are $1 - 5 Billion in Total Assets and regional Banks with some in West Virginia and Virginia Markets.