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Peer Analysis

Performance Ratios (%) ESXB Peer Median Peer Average
ROAA 0.72 0.85 0.67
ROAE 7.61 7.49 5.90
Net Interest Margin 3.75 3.71 3.84
Efficiency Ratio 65.99 67.41 70.00
Loans / Deposits 88.33 91.50 89.65
Asset Quality Ratios (%)
NPAs / Assets 1.39 0.93 1.29
NCOs / Avg Loans 0.01 0.15 0.29
Reserves / Loans 0.91 0.98 1.14
Reserves / NPAs 48.57 67.65 114.22
Capital Ratios (%)
Tier 1 Capital NA 13.43 14.67
Tangible Equity / Tangible Assets 9.76 9.74 10.29
Total Equity / Total Assets 9.76 10.62 11.11
Market Ratios
Price / Earnings (x) 17.91 16.44 41.01
Price / Book (%) 129.23 115.17 117.66
Dividend Yield (%) 0.00 1.88 1.54
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), 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 (CDBK), Cardinal Financial Corporation (CFNL), Carter Bank & Trust (CARE), Chesapeake Financial Shares, Inc. (CPKF), Citizens Bancorp of Virginia, Inc. (CZBT), Colonial Virginia Bank (CNVB), 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. (FCVA), First Community Bankshares, Inc. (FCBC), First National Corporation (FXNC), Franklin Financial Corporation (FRNK), Freedom Bank of Virginia (FDVA), Heritage Bankshares, Inc. (HBKS), Highlands Bankshares, Inc. (HLND), HomeTown Bankshares Corporation (HMTA), MainStreet BankShares, Inc. (MREE), Middleburg Financial Corporation (MBRG), Monarch Financial Holdings, Inc. (MNRK), 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), Union Bankshares Corporation (UBSH), Valley Financial Corporation (VYFC), Village Bank and Trust Financial Corp. (VBFC), Virginia Commerce Bancorp, Inc. (VCBI), Virginia Company Bank (VGNA), Virginia Heritage Bank (VGBK), WashingtonFirst Bankshares, Inc. (WFBI), Xenith Bankshares, Inc. (XBKS), Xenith Bankshares, Inc., Prior to merger with Hampton Roads Bankshares Inc. (XBKS)

Community Bankers Trust Corporation's financial data is as of 9/30/2018.

Peer financial data is as of 9/30/2018 except for these companies:

American National Bankshares Inc.'s financial data is as of 12/31/2018.
Heritage Bankshares, Inc.'s financial data is as of 12/31/2015.
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.
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.
Colonial Virginia Bank's financial data is as of 3/31/2014.
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., Prior to merger with Hampton Roads Bankshares Inc.'s financial data is as of 6/30/2016.
WashingtonFirst Bankshares, Inc.'s financial data is as of 9/30/2017.
Franklin Financial Corporation's financial data is as of 9/30/2014.
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