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Fauquier Bank, The

Warrenton, VA · Cert 6923

FDIC · 11 branches

Q1 2021

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2021, the quarter ended March 31, 2021, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Fauquier Bank, The

Warrenton, VA · Cert 6923

FDIC · 11 branches

Q1 2021

$910.6MAssets
$623.6MLoans
$817.8MDeposits
$73.9MEquity
Loan mix
81%RE $421.0M16%C&I $84.8M2%Consumer $12.5MQ1 2020Q1 2021
Deposit mix
75%Interest-bearing $614.2M25%Noninterest $203.6MQ1 2020Q1 2021

NIM

4.14%Q1 ’193.96%Q1 ’203.18%Q1 ’21-2%-14%

Non-interest income vs. expense

3.30%Q1 ’193.16%Q1 ’203.69%Q1 ’21-4%+21%

Market Position · Washington-Arlington-Alexandria, DC-VA-MD-WV · 2020 SOD (annual) · 0.2% share · #27 of 72 inst. · $0.7B of $313.5B

21.8% Fauquier
2.2% Prince William
1.5% Manassas (City)

Executive Summary

  • Earnings: ROA of 0.14%, down 73 bps year over year; NIM at 3.02%.
  • Asset quality: problem loans at 0.45% of loans (+7 bps YoY), with net recoveries of 0.06%.
  • Capital: tier 1 leverage ratio of 8.31%, down 150 bps from a year ago.
  • Funding: loans stand at 76.25% of deposits as of Q1 2021.

Financial Results

Return on Assets (YTD, annualized)

0.14%-73 bps YoY

Net Interest Margin (YTD, annualized)

3.02%-48 bps YoY

Efficiency Ratio (YTD, annualized)

93.03%+2,102 bps YoY

Tier 1 Leverage Ratio

8.31%-150 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2020Q2 2020Q3 2020Q4 2020Q1 2021YoY ΔTrend
Earnings
Return on Assets0.87%0.88%0.86%0.81%0.14%-73 bps
Return on Equity8.79%9.14%9.16%8.78%1.61%-719 bps
Net Interest Margin3.50%3.23%3.06%3.04%3.02%-48 bps
Efficiency Ratio72.01%67.26%68.49%73.48%93.03%+2,102 bps
Non-Interest Burden2.27%1.92%1.85%2.03%2.74%+47 bps
Growth
Asset Growth (YoY)3.79%15.01%15.66%20.05%25.32%+2,153 bps
Loan Growth (YoY)4.30%14.46%16.76%12.11%9.67%+537 bps
Deposit Growth (YoY)6.28%16.31%20.57%23.14%29.85%+2,357 bps
Asset Quality
Nonperforming Loans / Loans0.38%0.40%0.30%0.30%0.45%+7 bps
Net Charge-Offs / Loans-0.01%0.03%0.03%0.02%-0.06%-4 bps
Allowance / Loans0.98%1.03%1.05%1.11%1.15%+17 bps
Allowance Coverage of NPLs2.6x2.5x3.5x3.8x2.6x0.0x
Capital
Tier 1 Leverage Ratio9.81%9.00%8.67%8.54%8.31%-150 bps
Total Risk-Based Capital13.41%13.48%13.63%13.87%14.27%+86 bps
Equity / Assets10.03%9.01%9.00%8.72%8.12%-191 bps
Liquidity & Funding
Loans / Deposits90.29%88.15%86.22%80.48%76.25%-1,404 bps
Liquid Assets / Assets2.60%7.51%6.99%12.26%14.97%+1,236 bps
CRE / Total Capitaln/an/an/an/an/an/an/a