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Peer Analysis

Performance Ratios (%) HomeTown Bankshares Corporation Peer Median Peer Average
ROAA 0.71 0.81 0.60
ROAE 7.62 9.19 4.73
Net Interest Margin 3.59 3.73 3.70
Efficiency Ratio 71.98 71.47 76.49
Loans / Deposits 95.60 89.09 90.42
Asset Quality Ratios (%)
NPAs / Assets 1.30 0.95 1.53
NCOs / Avg Loans 0.07 0.08 0.15
Reserves / Loans 0.85 0.98 1.18
Reserves / NPAs 54.38 78.44 115.53
Capital Ratios (%)
Tier 1 Capital NA 13.45 14.00
Tangible Equity / Tangible Assets 9.50 9.51 9.83
Total Equity / Total Assets 9.50 9.95 9.98
Market Ratios
Price / Earnings (x) NA 10.43 11.33
Price / Book (%) NA 104.35 103.41
Dividend Yield (%) NA 0.85 1.33
Data for trailing four quarters

HomeTown Bankshares Corporation's peer group consists of the following: Bank of Botetourt (BORT), Bank of the James Financial Group, Inc. (BOTJ), Benchmark Bankshares, Inc. (BMBN), CNB Financial Services, Inc. (CBFC), Cordia Bancorp Inc., First Capital Bancorp, Inc., Hamilton State Bancshares, Inc., Heritage Bankshares, Inc., Highlands Bankshares, Inc. (HBSI), MainStreet BankShares, Inc., MCNB Banks, Inc. (MKIN), OptimumBank Holdings, Inc. (OPHC), Pinnacle Bankshares Corporation (PPBN), Virginia Heritage Bank

HomeTown Bankshares Corporation's financial data is as of 12/31/2018.

Peer financial data is as of 12/31/2018 except for these companies:

Heritage Bankshares, Inc.'s financial data is as of 12/31/2015.
MainStreet BankShares, Inc.'s financial data is as of 9/30/2014.
Virginia Heritage Bank's financial data is as of 9/30/2014.
Hamilton State Bancshares, Inc.'s financial data is as of 3/31/2018.
First Capital Bancorp, Inc.'s financial data is as of 9/30/2015.
Cordia Bancorp Inc.'s financial data is as of 6/30/2016.