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Peer Analysis

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Performance Ratios (%) TSBA Peer Median Peer Average
ROAA 0.54 0.70 0.38
ROAE 4.60 6.54 1.00
Net Interest Margin 4.38 3.77 3.80
Efficiency Ratio 81.65 70.84 76.05
Loans / Deposits 83.84 74.15 77.41
Asset Quality Ratios (%)
NPAs / Assets 2.35 1.37 2.00
NCOs / Avg Loans 0.57 0.16 0.57
Reserves / Loans 0.96 1.08 1.30
Reserves / NPAs 30.12 48.46 72.62
Capital Ratios (%)
Tier 1 Capital 14.30 18.66 18.33
Tangible Equity / Tangible Assets 11.55 12.21 11.80
Total Equity / Total Assets 11.55 11.97 11.79
Market Ratios
Price / Earnings (x) 21.21 16.85 16.20
Price / Book (%) 94.01 115.51 117.17
Dividend Yield (%) 2.13 2.17 10.42
Data for trailing four quarters

Touchstone Bank's peer group consists of the following: Bank of Botetourt (BORT), Bank of Fincastle (BFTL), Blue Ridge Bankshares, Inc. (BRBS), Citizens Bancorp of Virginia, Inc. (CZBT), County First Bank (CUMD), Farmers Bank of Appomattox (FBPA), Farmers Bankshares, Inc. (FBVA), Southwest Virginia Bankshares, Inc. (SOVA), Surrey Bancorp (SRYB), Virginia Bank Bankshares, Incorporated (VABB)

Touchstone Bank's financial data is as of 9/30/2017.

Peer financial data is as of 9/30/2017