Performance Ratios (%) SASR Peer Median Peer Average
ROAA 0.62 1.20 1.06
ROAE 5.87 6.95 7.36
Net Interest Margin 3.59 3.31 3.38
Efficiency Ratio 55.67 54.19 56.21
Loans / Deposits 108.85 94.70 94.41
Asset Quality Ratios (%)
NPAs / Assets 0.58 0.78 0.72
NCOs / Avg Loans 0.02 0.15 0.14
Reserves / Loans 1.05 1.00 0.94
Reserves / NPAs 144.24 92.41 101.86
Capital Ratios (%)
Tier 1 Capital 10.84 12.04 12.50
Tangible Equity / Tangible Assets 8.91 9.18 9.20
Total Equity / Total Assets 10.35 14.93 14.70
Market Ratios
Price / Earnings (x) 29.60 NA NA
Price / Book (%) 171.31 NA NA
Dividend Yield (%) 2.58 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 12/31/2017.

Peer financial data is as of 12/31/2017 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.
United Bankshares, Inc.'s financial data is as of 9/30/2017.