Peer Analysis

Performance Ratios (%) FDVA Peer Median Peer Average
ROAA 0.40 0.60 0.38
ROAE 3.28 4.94 3.19
Net Interest Margin 3.47 3.75 3.72
Efficiency Ratio 86.77 74.12 77.82
Loans / Deposits 101.05 90.44 88.91
Asset Quality Ratios (%)
NPAs / Assets 0.43 1.00 1.45
NCOs / Avg Loans 0.09 0.07 0.24
Reserves / Loans 1.07 0.91 1.23
Reserves / NPAs 206.56 58.94 129.95
Capital Ratios (%)
Tier 1 Capital 14.79 12.91 14.12
Tangible Equity / Tangible Assets 12.45 9.64 9.96
Total Equity / Total Assets 12.45 10.06 10.07
Market Ratios
Price / Earnings (x) 38.30 13.48 14.05
Price / Book (%) 118.00 107.77 111.24
Dividend Yield (%) 0.00 0.00 0.61
Data for trailing four quarters

Freedom Bank of Virginia's peer group consists of the following: Bank of Botetourt (BORT), Colonial Virginia Bank, Cordia Bancorp Inc., Heritage Bankshares, Inc., HomeTown Bankshares Corporation, MainStreet BankShares, Inc., Oak View National Bank (OAKV), Peoples Bankshares, Incorporated (PBVA), Touchstone Bank (TSBA)

Freedom Bank of Virginia's financial data is as of 9/30/2019.

Peer financial data is as of 9/30/2019 except for these companies:

Heritage Bankshares, Inc.'s financial data is as of 12/31/2015.
Peoples Bankshares, Incorporated's financial data is as of 6/30/2019.
MainStreet BankShares, Inc.'s financial data is as of 9/30/2014.
Colonial Virginia Bank's financial data is as of 3/31/2014.
HomeTown Bankshares Corporation's financial data is as of 12/31/2018.
Cordia Bancorp Inc.'s financial data is as of 6/30/2016.

Suite 100, 10555 Main Street,
Fairfax, VA 22030
(703) 242-5300
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502 Maple Avenue West
Vienna, VA 22180
(703) 667-4170
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Suite 110, 11700 Plaza America Dr Reston, VA 20190
(703)-663-2300
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Suite 240, 4500 Daly Drive
Chantilly, VA 20151
(571) 395-4000
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4211 Pleasant Valley Road
Chantilly, VA 20151
(703) 766-6400
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