Performance Ratios (%) HBSI Peer Median Peer Average
ROAA 0.84 0.59 0.51
ROAE 6.74 6.22 4.90
Net Interest Margin 4.40 3.81 3.76
Efficiency Ratio 73.04 77.26 77.92
Loans / Deposits 95.53 81.27 76.45
Asset Quality Ratios (%)
NPAs / Assets NA 1.76 1.39
NCOs / Avg Loans 0.17 0.27 0.39
Reserves / Loans 1.00 1.12 1.17
Reserves / NPAs NA 36.50 36.50
Capital Ratios (%)
Tier 1 Capital NA 17.04 17.09
Tangible Equity / Tangible Assets 12.58 9.74 9.60
Total Equity / Total Assets 12.91 10.04 10.27
Market Ratios
Price / Earnings (x) 15.37 18.79 20.56
Price / Book (%) 101.38 102.84 103.26
Dividend Yield (%) 2.84 2.40 2.12
Data for trailing four quarters

Highlands Bankshares, Inc.'s peer group consists of the following: Citizens Financial Corp. (CIWV), CNB Financial Services, Inc. (CBFC), First Century Bankshares, Inc. (FCBS), First West Virginia Bancorp, Inc. (FWVB), Mountain-Valley Bancshares, Inc. (MTVB), MVB Financial Corp. (MVBF), New Peoples Bankshares, Inc. (NWPP), Ohio Valley Banc Corp. (OVBC), Premier Financial Bancorp, Inc. (PFBI)

Highlands Bankshares, Inc.'s financial data is as of 6/30/2017.

Peer financial data is as of 6/30/2017 except for these companies:

First Century Bankshares, Inc.'s financial data is as of 3/31/2017.
Citizens Financial Corp.'s financial data is as of 3/31/2017.
Mountain-Valley Bancshares, Inc.'s financial data is as of 3/31/2017.