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Peer Analysis

Performance Ratios (%) ESXB Peer Median Peer Average
ROAA 1.04 1.00 0.82
ROAE 10.45 8.63 7.27
Net Interest Margin 3.76 3.67 3.82
Efficiency Ratio 65.60 69.31 69.99
Loans / Deposits 87.17 89.78 88.84
Asset Quality Ratios (%)
NPAs / Assets 1.17 0.64 1.23
NCOs / Avg Loans 0.04 0.11 0.28
Reserves / Loans 0.85 0.96 1.13
Reserves / NPAs 53.61 82.67 130.25
Capital Ratios (%)
Tier 1 Capital NA 13.26 14.62
Tangible Equity / Tangible Assets 10.30 9.74 10.41
Total Equity / Total Assets 10.30 10.61 11.33
Market Ratios
Price / Earnings (x) 12.95 12.37 15.28
Price / Book (%) 125.19 112.14 111.50
Dividend Yield (%) 1.45 1.90 1.61
Data for trailing four quarters

Community Bankers Trust Corporation's peer group consists of the following: Access National Corporation (ANCX), American National Bankshares Inc. (AMNB), Atlantic Union Bankshares Corporation (AUB), Bank of the James Financial Group, Inc. (BOTJ), Bay Banks of Virginia, Inc. (BAYK), Benchmark Bankshares, Inc. (BMBN), Burke & Herbert Bank & Trust Company (BHRB), C&F Financial Corporation (CFFI), Capital One Financial Corporation (COF), Cardinal Bankshares Corporation, Cardinal Financial Corporation (CFNL), Carter Bank & Trust (CARE), Chesapeake Financial Shares, Inc. (CPKF), Citizens Bancorp of Virginia, Inc. (CZBT), Colonial Virginia Bank, Eagle Financial Services, Inc. (EFSI), Eastern Virginia Bankshares, Inc. (EVBS), F & M Bank Corp. (FMBM), Farmers Bank of Appomattox (FBPA), Fauquier Bankshares, Inc. (FBSS), First Capital Bancorp, Inc., First Community Bankshares, Inc. (FCBC), First National Corporation (FXNC), Franklin Financial Corporation, Freedom Bank of Virginia (FDVA), Heritage Bankshares, Inc., Highlands Bankshares, Inc. (HLND), HomeTown Bankshares Corporation, MainStreet BankShares, Inc., Middleburg Financial Corporation (MBRG), Monarch Financial Holdings, Inc., National Bankshares, Inc. (NKSH), New Peoples Bankshares, Inc. (NWPP), Old Point Financial Corporation (OPOF), Pinnacle Bankshares Corporation (PPBN), Pioneer Bankshares, Inc. (PNBI), Southern National Bancorp of Virginia, Inc. (SONA), Touchstone Bank (TSBA), TowneBank (TOWN), Valley Financial Corporation (VYFC), Village Bank and Trust Financial Corp. (VBFC), Virginia Commerce Bancorp, Inc. (VCBI), Virginia Company Bank, Virginia Heritage Bank, WashingtonFirst Bankshares, Inc., Xenith Bankshares, Inc., Xenith Bankshares, Inc. (XBKS)

Community Bankers Trust Corporation's financial data is as of 6/30/2019.

Peer financial data is as of 6/30/2019 except for these companies:

Atlantic Union Bankshares Corporation's financial data is as of 9/30/2019.
American National Bankshares Inc.'s financial data is as of 9/30/2019.
Heritage Bankshares, Inc.'s financial data is as of 12/31/2015.
National Bankshares, Inc.'s financial data is as of 9/30/2019.
Eagle Financial Services, Inc.'s financial data is as of 9/30/2019.
Middleburg Financial Corporation's financial data is as of 12/31/2016.
Valley Financial Corporation's financial data is as of 6/30/2015.
Cardinal Bankshares Corporation's financial data is as of 6/30/2016.
Pinnacle Bankshares Corporation's financial data is as of 9/30/2019.
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.
MainStreet BankShares, Inc.'s financial data is as of 9/30/2014.
Virginia Commerce Bancorp, Inc.'s financial data is as of 12/31/2013.
Xenith Bankshares, Inc.'s financial data is as of 12/31/2017.
Access National Corporation's financial data is as of 12/31/2018.
Colonial Virginia Bank's financial data is as of 3/31/2014.
Bank of the James Financial Group, Inc.'s financial data is as of 9/30/2019.
Village Bank and Trust Financial Corp.'s financial data is as of 9/30/2019.
Virginia Heritage Bank's financial data is as of 9/30/2014.
Virginia Company Bank's financial data is as of 9/30/2014.
Monarch Financial Holdings, Inc.'s financial data is as of 3/31/2016.
First Capital Bancorp, Inc.'s financial data is as of 9/30/2015.
Xenith Bankshares, Inc.'s financial data is as of 6/30/2016.
WashingtonFirst Bankshares, Inc.'s financial data is as of 9/30/2017.
HomeTown Bankshares Corporation's financial data is as of 12/31/2018.
Franklin Financial Corporation's financial data is as of 9/30/2014.
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