Peer Analysis

Performance Ratios (%) YRKB Peer Median Peer Average
ROAA 1.06 0.93 0.83
ROAE 10.12 8.54 7.69
Net Interest Margin 3.57 3.64 3.65
Efficiency Ratio 69.78 71.44 71.29
Loans / Deposits 94.01 91.22 93.03
Asset Quality Ratios (%)
NPAs / Assets 0.59 0.64 0.73
NCOs / Avg Loans 0.03 0.01 0.03
Reserves / Loans 0.91 1.00 1.00
Reserves / NPAs 125.41 104.28 188.57
Capital Ratios (%)
Tier 1 Capital 12.94 11.79 12.55
Tangible Equity / Tangible Assets 10.41 9.57 9.59
Total Equity / Total Assets 10.41 9.88 9.86
Market Ratios
Price / Earnings (x) 10.69 16.02 16.38
Price / Book (%) 99.82 124.02 120.55
Dividend Yield (%) 0.00 1.52 1.89
Data for trailing four quarters

York Traditions Bank's peer group consists of the following: Community Financial Group, Inc. (CFGW), Community Heritage Financial, Inc. (CMHF), Frederick County Bancorp, Inc. (FCBI), Harford Bank (HFBK), Jonestown Bank and Trust Co. (JNES), Juniata Valley Financial Corp. (JUVF), Meridian Bancorp, Inc. (EBSB)

York Traditions Bank's financial data is as of 6/30/2019.

Peer financial data is as of 6/30/2019 except for these companies:

Community Financial Group, Inc.'s financial data is as of 12/31/2018.