Performance Ratios (%) EFSI Peer Median Peer Average
ROAA 1.20 0.79 0.72
ROAE 11.60 8.85 8.08
Net Interest Margin 3.82 3.57 3.54
Efficiency Ratio 66.29 69.17 70.36
Loans / Deposits 84.35 86.25 89.42
Asset Quality Ratios (%)
NPAs / Assets 0.69 0.98 0.96
NCOs / Avg Loans (0.13) 0.06 0.08
Reserves / Loans 0.83 1.12 1.12
Reserves / NPAs 89.67 108.89 121.84
Capital Ratios (%)
Tier 1 Capital 12.75 NA NA
Tangible Equity / Tangible Assets 9.68 8.66 8.58
Total Equity / Total Assets 9.68 8.66 8.66
Market Ratios
Price / Earnings (x) 8.33 10.39 10.28
Price / Book (%) 92.07 86.80 83.47
Dividend Yield (%) 3.71 2.85 2.46
Data for trailing four quarters

Eagle Financial Services, Inc.'s peer group consists of the following: Bay Banks of Virginia, Inc. (BAYK), Benchmark Bankshares, Inc. (BMBN), F & M Bank Corp. (FMBM), Fauquier Bankshares, Inc. (FBSS), First Capital Bancorp, Inc., First National Corporation (FXNC), Pinnacle Bankshares Corporation (PPBN), Touchstone Bankshares, Inc. (TSBA), Village Bank and Trust Financial Corp. (VBFC)

Eagle Financial Services, Inc.'s financial data is as of 9/30/2020.

Peer financial data is as of 9/30/2020 except for these companies:

First Capital Bancorp, Inc.'s financial data is as of 9/30/2015.

Member FDIC   


Equal Opportunity Employer.
Equal Housing Lender.
Member FDIC.

Our Mission

The mission of Bank of Clarke County is to build sustainable relationships with:

OUR CUSTOMERS, by providing resources, information and advice to meet their financial goals.

OUR EMPLOYEES, by providing a positive and rewarding work environment.

OUR COMMUNITIES, by providing support and encouraging employee volunteerism and civic service.

OUR SHAREHOLDERS, by providing sound financial performance and committing to our status as an independent community bank.

Main Branch

Bank of Clarke County
Berryville 2 East Main Street
Berryville, VA 22611
(540) 955-2510

 

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