Performance Ratios (%) smmf Peer Median Peer Average
ROAA 1.36 1.17 1.19
ROAE 14.86 11.04 11.60
Net Interest Margin 3.56 3.45 3.39
Efficiency Ratio 48.79 57.74 64.26
Loans/ Deposits 100.05 78.76 76.15
Asset Quality Ratios (%) smmf Peer Median Peer Average
NPAs/ Assets 0.93 0.48 0.49
NCOs/ Avg Loans 0.05 0.02 0.06
Loan Loss Reserves/ Gross Loans 1.18 1.02 1.34
Reserves/ NPAs 100.44 164.92 388.92
Capital Ratios (%) smmf Peer Median Peer Average
Tier 1 Ratio 9.22 12.89 12.89
Tangible Equity/ Tangible Assets 7.33 7.59 7.74
Total Equity/ Total Assets 8.87 8.47 9.36
Market Ratios smmf Peer Median Peer Average
Price / Earnings after Extra 7.82 10.11 10.50
Price / Book 116.14 120.59 136.82
Dividend Yield 2.76 3.15 3.18

Data for trailing four quarters

Summit Financial Group, Inc.'s peer group consists of the following: American National Bankshares Inc. (AMNB), C&F Financial Corporation (CFFI), First Community Bankshares, Inc. (FCBC), MVB Financial Corp. (MVBF), National Bankshares, Inc. (NKSH)

Summit Financial Group, Inc.'s financial data is as of 6/30/2022.

Peer financial data is as of 9/30/2022.