Performance Ratios (%) smmf Peer Median Peer Average
ROAA 1.54 1.17 1.24
ROAE 17.50 12.09 14.64
Net Interest Margin 3.83 4.07 3.99
Efficiency Ratio 46.39 59.26 60.65
Loans/ Deposits 97.25 84.54 86.31
Asset Quality Ratios (%) smmf Peer Median Peer Average
NPAs/ Assets 0.33 0.36 0.31
NCOs/ Avg Loans 0.00 0.09 0.24
Loan Loss Reserves/ Gross Loans 1.26 1.15 1.41
Reserves/ NPAs 122.15 219.18 274.42
Capital Ratios (%) smmf Peer Median Peer Average
Tier 1 Ratio 9.53 12.83 12.93
Tangible Equity/ Tangible Assets 7.20 7.82 8.01
Total Equity/ Total Assets 9.05 8.41 9.10
Market Ratios smmf Peer Median Peer Average
Price / Earnings after Extra 5.36 9.20 9.97
Price / Book 114.68 120.94 131.88
Dividend Yield 3.21 3.25 2.86


Most Recent Quarter - 4Q22 as at 12/31/2022

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