Peer Analysis

Performance Ratios (%) TRUX Peer Median Peer Average
ROAA 1.88 0.67 0.65
ROAE 15.87 6.41 6.39
Net Interest Margin 3.21 3.79 3.70
Efficiency Ratio 55.88 75.64 77.31
Loans / Deposits 78.71 89.76 89.18
Asset Quality Ratios (%)
NPAs / Assets NA 1.01 1.09
NCOs / Avg Loans 0.00 0.03 0.11
Reserves / Loans 1.00 0.95 0.97
Reserves / NPAs NA 56.13 79.81
Capital Ratios (%)
Tier 1 Capital NA 14.56 14.62
Tangible Equity / Tangible Assets 12.35 10.30 10.03
Total Equity / Total Assets 12.35 10.30 10.03
Market Ratios
Price / Earnings (x) 14.16 22.20 22.20
Price / Book (%) 203.80 88.26 96.54
Dividend Yield (%) 2.11 0.00 0.73
Data for trailing four quarters

Truxton Corporation's peer group consists of the following: First Security Group, Inc. (FSGI), HFB Financial Corporation (HFBA), Highlands Bankshares, Inc. (HLND), HopFed Bancorp, Inc. (HFBC), Magna Bank, New Peoples Bankshares, Inc. (NWPP), Security Bancorp, Inc. (SCYT), Sumner Bank & Trust

Truxton Corporation's financial data is as of 9/30/2019.

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

Magna Bank's financial data is as of 6/30/2015.
HopFed Bancorp, Inc.'s financial data is as of 3/31/2019.
First Security Group, Inc.'s financial data is as of 9/30/2015.
 
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