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Community Heritage Financial, Inc.
Performance Ratios (%) CMHF Peer Median Peer Average
ROAA 0.56 0.94 1.01
ROAE 5.92 9.38 8.90
Net Interest Margin 3.67 3.46 3.58
Efficiency Ratio 78.18 70.35 67.12
Loans / Deposits 86.70 86.41 84.95
Asset Quality Ratios (%)
NPAs / Assets 0.29 0.54 0.88
NCOs / Avg Loans 0.04 0.03 0.06
Reserves / Loans 1.02 0.91 0.80
Reserves / NPAs 259.61 122.68 114.88
Capital Ratios (%)
Tier 1 Capital 13.73 13.78 14.28
Tangible Equity / Tangible Assets 7.67 10.19 11.50
Total Equity / Total Assets 7.92 9.77 10.97
Market Ratios
Price / Earnings (x) 14.44 9.79 9.77
Price / Book (%) 83.20 82.64 80.74
Dividend Yield (%) 0.88 2.78 2.24
Data for trailing four quarters

Community Heritage Financial, Inc.'s peer group consists of the following: Calvin B. Taylor Bankshares, Inc. (TYCB), Frederick County Bancorp, Inc., Jefferson Security Bank (JFWV), Potomac Bancshares, Inc. (PTBS), York Traditions Bank (YRKB)

Community Heritage Financial, Inc.'s financial data is as of 3/31/2020.

Peer financial data is as of 3/31/2020 except for these companies:

Frederick County Bancorp, Inc.'s financial data is as of 12/31/2019.

Community Heritage Financial, Inc.

24 West Main Street
Middletown, MD 21769
(844) 533-9211

Transfer Agent

American Stock Transfer & Trust Company, LLC
3rd Floor, 6201 15th Avenue
Brooklyn
New York, NY 11219
(800) 937-5449