Peer Analysis

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Performance Ratios (%) OPOF Peer Median Peer Average
ROAA 0.70 1.07 1.06
ROAE 6.93 9.58 9.56
Net Interest Margin 3.65 3.71 3.75
Efficiency Ratio 78.76 61.58 64.12
Loans / Deposits 85.69 89.78 89.25
Asset Quality Ratios (%)
NPAs / Assets 1.08 1.04 0.97
NCOs / Avg Loans 0.21 0.07 0.08
Reserves / Loans 1.43 0.84 0.88
Reserves / NPAs 93.70 56.45 90.61
Capital Ratios (%)
Tier 1 Capital NA 14.08 14.58
Tangible Equity / Tangible Assets 10.21 10.09 10.27
Total Equity / Total Assets 10.38 10.79 11.28
Market Ratios
Price / Earnings (x) 21.00 12.57 15.14
Price / Book (%) 140.15 114.74 127.15
Dividend Yield (%) 1.63 1.72 1.64
Data for trailing four quarters

Old Point Financial Corporation's peer group consists of the following: Access National Corporation (ANCX), Bank of South Carolina Corporation (BKSC), Bank of the James Financial Group, Inc. (BOTJ), Carolina Trust BancShares, Inc. (CART), Community Bankers Trust Corporation (ESXB), Community Financial Corporation (TCFC), Fauquier Bankshares, Inc. (FBSS), First Community Corporation (FCCO), First South Bancorp, Inc., Glen Burnie Bancorp (GLBZ), HomeTown Bankshares Corporation, Howard Bancorp, Inc. (HBMD), National Bankshares, Inc. (NKSH), Peoples Bancorp of North Carolina, Inc. (PEBK), Premier Financial Bancorp, Inc. (PFBI), Select Bancorp, Inc. (SLCT), Shore Bancshares, Inc. (SHBI), Southern First Bancshares, Inc. (SFST), Southern National Bancorp of Virginia, Inc. (SONA), Village Bank and Trust Financial Corp. (VBFC)

Old Point Financial Corporation's financial data is as of 9/30/2019.

Peer financial data is as of 9/30/2019 except for these companies:

First South Bancorp, Inc.'s financial data is as of 12/31/2018.
Access National Corporation's financial data is as of 12/31/2018.
HomeTown Bankshares Corporation's financial data is as of 12/31/2018.