Community Bankers Trust Corporation

Frequently Asked Questions About ESXB

What does ESXB invest in?

Community Bankers Trust Corporation serves as the parent entity for Essex Bank, a financial institution based in Richmond, Virginia, specializing in commercial banking and related financial offerings. The company maintains a workforce of 255 full-time employees. Essex Bank provides a broad spectrum of financial services to both individual clients and small businesses. Its comprehensive product suite includes various deposit accounts, such as demand and time deposits for personal and commercial use, alongside a diverse portfolio of lending options, encompassing commercial and industrial loans, consumer credit, small business financing, and real estate-backed mortgages. Additionally, the bank facilitates investment services and offers safe deposit box facilities. Further enhancing its financial solutions, Essex Services, Inc., a subsidiary of the Bank, utilizes its team of financial consultants to deliver a range of investment products and alternative strategies. The corporation's operations are structured across three primary business segments: retail and small business banking, commercial and industrial banking, and real estate lending. Its investment portfolio primarily comprises debt instruments issued by the United States Treasury, various U.S. Government agencies (including sponsored enterprises), and securities from state, county, and municipal governments. These lending and investment activities are crucially funded through the deposits gathered from its customers.

What is the expense ratio of ESXB?

An expense ratio for Community Bankers Trust Corporation (ESXB) is not available from our data sources — neither our market-data feed nor the SEC's structured prospectus and annual-report datasets report one for this share class. The fund's prospectus on the issuer's site carries the authoritative fee.

What is the duration of ESXB?

Effective duration measures ESXB's sensitivity to interest-rate changes — a duration of 6 means a 1% rate move shifts NAV by roughly 6% in the opposite direction. ESXB's current duration is published on the fund's factsheet on the issuer's website.

What is the credit quality of ESXB?

ESXB's credit quality breakdown — the share of holdings rated AAA through CCC and below — is published on the fund's factsheet. Higher-quality (investment-grade) funds yield less but carry less default risk than high-yield / junk bond funds.

What is the yield to maturity of ESXB?

Yield to maturity (YTM) is the total return you'd earn from ESXB if every bond in the portfolio is held to maturity at the current price. ESXB's YTM is published on the fund's factsheet on the issuer's website — it differs from the trailing-12-month yield because YTM reflects current bond prices rather than historical income paid.

How big is ESXB?

Community Bankers Trust Corporation (ESXB) manages — in total assets. AUM determines bid-ask liquidity and the fund's vulnerability to closure — funds below ~$50M are at higher risk of liquidation.