Performance Ratios (%) SASR Peer Median Peer Average
ROAA 1.47 1.20 1.10
ROAE 11.30 7.77 7.63
Net Interest Margin 3.57 3.31 3.30
Efficiency Ratio 51.80 54.19 56.61
Loans / Deposits 105.55 95.86 94.79
Asset Quality Ratios (%)
NPAs / Assets 0.49 0.70 0.66
NCOs / Avg Loans 0.02 0.14 0.13
Reserves / Loans 0.80 1.00 0.94
Reserves / NPAs 128.82 92.41 106.07
Capital Ratios (%)
Tier 1 Capital 11.35 12.04 12.51
Tangible Equity / Tangible Assets 9.28 9.18 9.18
Total Equity / Total Assets 13.16 14.93 14.59
Market Ratios
Price / Earnings (x) 9.87 NA NA
Price / Book (%) 108.92 NA NA
Dividend Yield (%) 3.57 NA NA
Data for trailing four quarters

Sandy Spring Bancorp, Inc.'s peer group consists of the following: National Penn Bancshares, Inc. (NPBC), Susquehanna Bancshares, Inc. (SUSQ), United Bankshares, Inc. (UBSI)

Sandy Spring Bancorp, Inc.'s financial data is as of 3/31/2019.

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

National Penn Bancshares, Inc.'s financial data is as of 12/31/2015.
Susquehanna Bancshares, Inc.'s financial data is as of 6/30/2015.