InvestorRelations

Peer Analysis

Performance Ratios (%) AMNB Peer Median Peer Average
ROAA 0.91 0.98 0.98
ROAE 7.16 9.87 9.22
Net Interest Margin 3.68 3.68 3.84
Efficiency Ratio 57.23 70.44 66.85
Loans / Deposits 88.85 86.37 86.58
Asset Quality Ratios (%)
NPAs / Assets 0.17 0.51 0.92
NCOs / Avg Loans 0.01 0.09 0.20
Reserves / Loans 0.72 1.22 1.34
Reserves / NPAs 311.66 114.41 187.52
Capital Ratios (%)
Tier 1 Capital 12.98 15.37 15.23
Tangible Equity / Tangible Assets 9.57 9.84 10.03
Total Equity / Total Assets 12.92 9.97 10.49
Market Ratios
Price / Earnings (x) 10.90 8.76 9.03
Price / Book (%) 74.64 79.01 84.70
Dividend Yield (%) 5.00 3.35 3.06
Data for trailing four quarters

American National Bankshares Inc.'s peer group consists of the following: C&F Financial Corporation (CFFI), Cardinal Financial Corporation (CFNL), Eastern Virginia Bankshares, Inc. (EVBS), First South Bancorp, Inc. (FSBK), Middleburg Financial Corporation (MBRG), National Bankshares, Inc. (NKSH), Old Point Financial Corporation (OPOF), Peoples Bancorp of North Carolina, Inc. (PEBK), Virginia Commerce Bancorp, Inc. (VCBI)

American National Bankshares Inc.'s financial data is as of 12/31/2019.

Peer financial data is as of 12/31/2019 except for these companies:

Middleburg Financial Corporation's financial data is as of 12/31/2016.
First South Bancorp, Inc.'s financial data is as of 9/30/2017.
Eastern Virginia Bankshares, Inc.'s financial data is as of 3/31/2017.
Cardinal Financial Corporation's financial data is as of 3/31/2017.
Virginia Commerce Bancorp, Inc.'s financial data is as of 12/31/2013.