Peer Analysis

Performance Ratios (%) YRKB Peer Median Peer Average
ROAA 1.00 0.51 0.34
ROAE 9.66 5.68 4.35
Net Interest Margin 3.54 3.59 3.50
Efficiency Ratio 69.74 78.28 78.10
Loans / Deposits 95.77 96.02 95.29
Asset Quality Ratios (%)
NPAs / Assets 0.97 1.50 1.30
NCOs / Avg Loans 0.00 0.08 0.17
Reserves / Loans 0.99 1.07 1.23
Reserves / NPAs 83.34 63.47 123.47
Capital Ratios (%)
Tier 1 Capital 13.41 12.37 12.41
Tangible Equity / Tangible Assets 10.36 8.95 9.60
Total Equity / Total Assets 10.36 8.96 9.90
Market Ratios
Price / Earnings (x) 11.78 14.35 14.01
Price / Book (%) 105.77 113.83 120.39
Dividend Yield (%) 0.00 1.22 1.30
Data for trailing four quarters

York Traditions Bank's peer group consists of the following: Blue Ridge Bankshares, Inc. (BRBS), Farmers & Merchants Bancorp (FMCB), Fraternity Community Bancorp, Inc. (FRTR), Frederick County Bancorp, Inc. (FCBI), Hamilton Bancorp, Inc. (HBK), Harford Bank (HFBK), New Windsor Bancorp, Inc. (NWID), Patapsco Bancorp, Inc. (PATD)

York Traditions Bank's financial data is as of 9/30/2018.

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

Patapsco Bancorp, Inc.'s financial data is as of 6/30/2015.
New Windsor Bancorp, Inc.'s financial data is as of 3/31/2017.
Frederick County Bancorp, Inc.'s financial data is as of 12/31/2018.
Fraternity Community Bancorp, Inc.'s financial data is as of 12/31/2015.