Peer Analysis

Performance Ratios (%) YRKB Peer Median Peer Average
ROAA 1.01 0.87 0.74
ROAE 9.72 8.57 7.60
Net Interest Margin 3.55 3.58 3.68
Efficiency Ratio 70.83 72.35 72.99
Loans / Deposits 92.58 89.67 91.47
Asset Quality Ratios (%)
NPAs / Assets 0.66 0.56 0.81
NCOs / Avg Loans 0.01 0.03 0.10
Reserves / Loans 0.97 1.04 1.04
Reserves / NPAs 117.58 110.29 130.86
Capital Ratios (%)
Tier 1 Capital 13.57 11.59 12.51
Tangible Equity / Tangible Assets 10.61 9.32 9.27
Total Equity / Total Assets 10.61 9.37 9.48
Market Ratios
Price / Earnings (x) 12.62 16.81 16.52
Price / Book (%) 114.00 108.83 118.07
Dividend Yield (%) 0.00 1.89 1.94
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), Farmers & Merchants Bancshares, Inc. (FMBN), 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 3/31/2019.

Peer financial data is as of 3/31/2019 except for these companies:

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