Peer Analysis

Performance Ratios (%) CFST Peer Median Peer Average
ROAA 1.34 0.94 1.05
ROAE 15.26 11.60 11.97
Net Interest Margin 4.33 3.83 3.97
Efficiency Ratio 53.55 62.52 60.24
Loans / Deposits 70.25 73.73 75.26
Asset Quality Ratios (%)
NPAs / Assets NA 0.02 0.02
NCOs / Avg Loans (0.01) 0.00 0.01
Reserves / Loans 1.30 1.37 1.38
Reserves / NPAs NA NA NA
Capital Ratios (%)
Tier 1 Capital NA 13.37 13.37
Tangible Equity / Tangible Assets 8.71 9.01 9.06
Total Equity / Total Assets 8.71 8.62 8.70
Market Ratios
Price / Earnings (x) 13.10 13.69 13.69
Price / Book (%) 182.93 191.94 191.94
Dividend Yield (%) 0.00 1.22 0.90
Data for trailing four quarters

Communities First Financial Corporation's peer group consists of the following: Bank of Napa, N.A. (BNNP), Coast Bancorp (CTBP), Golden Valley Bank (GVYB), Mission Bancorp (MSBC), Redwood Capital Bancorp (RWCB)

Communities First Financial Corporation's financial data is as of 9/30/2018.

Peer financial data is as of 9/30/2018 except for these companies:

Coast Bancorp's financial data is as of 6/30/2016.
Mission Bancorp's financial data is as of 6/30/2018.
Bank of Napa, N.A.'s financial data is as of 9/30/2017.
Redwood Capital Bancorp's financial data is as of 6/30/2018.