Performance Ratios (%) SASR Peer Median Peer Average
ROAA 0.46 0.82 0.93
ROAE 3.54 5.14 6.64
Net Interest Margin 3.27 3.27 3.25
Efficiency Ratio 54.76 54.63 58.48
Loans / Deposits 101.96 96.12 95.79
Asset Quality Ratios (%)
NPAs / Assets 0.62 0.69 0.65
NCOs / Avg Loans 0.03 0.15 0.15
Reserves / Loans 1.26 1.08 1.12
Reserves / NPAs 154.97 109.60 123.95
Capital Ratios (%)
Tier 1 Capital 10.23 12.26 12.59
Tangible Equity / Tangible Assets 8.51 9.18 9.17
Total Equity / Total Assets 12.50 14.93 14.48
Market Ratios
Price / Earnings (x) 21.30 NA NA
Price / Book (%) 73.02 NA NA
Dividend Yield (%) 5.03 NA NA
Data for trailing four quarters

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

Sandy Spring Bancorp, Inc.'s financial data is as of 3/31/2020.

Peer financial data is as of 3/31/2020 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.