| Performance Ratios (%) | smmf | Peer Median | Peer Average |
|---|---|---|---|
| ROAA | 1.42 | 0.75 | 0.37 |
| ROAE | 15.66 | 7.57 | 3.07 |
| Net Interest Margin | 3.91 | 3.14 | 3.31 |
| Efficiency Ratio | 47.15 | 69.00 | 71.33 |
| Loans/ Deposits | 95.86 | 88.12 | 86.64 |
| Asset Quality Ratios (%) | smmf | Peer Median | Peer Average |
|---|---|---|---|
| NPAs/ Assets | 0.38 | 0.23 | 0.85 |
| NCOs/ Avg Loans | 0.01 | 0.08 | 0.19 |
| Loan Loss Reserves/ Gross Loans | 1.31 | 1.10 | 1.34 |
| Reserves/ NPAs | 272.66 | 208.14 | 268.23 |
| Capital Ratios (%) | smmf | Peer Median | Peer Average |
|---|---|---|---|
| Tier 1 Ratio | 9.73 | 12.70 | 12.63 |
| Tangible Equity/ Tangible Assets | 7.53 | 7.45 | 7.87 |
| Total Equity/ Total Assets | 9.05 | 8.21 | 8.80 |
| Market Ratios | smmf | Peer Median | Peer Average |
|---|---|---|---|
| Price / Earnings after Extra | 4.59 | 8.58 | 9.99 |
| Price / Book | 89.94 | 99.21 | 97.15 |
| Dividend Yield | 3.58 | 3.36 | 3.22 |
Last Twelve Months Ending 9/30/2023
Peer banks selected are $1 - 5 Billion in Total Assets and regional Banks with some in West Virginia and Virginia Markets.
