Performance Ratios (%) SASR Peer Median Peer Average
ROAA 1.26 1.20 1.10
ROAE 9.78 7.84 7.66
Net Interest Margin 3.60 3.31 3.33
Efficiency Ratio 51.72 54.19 56.86
Loans / Deposits 111.10 95.91 94.81
Asset Quality Ratios (%)
NPAs / Assets 0.45 0.75 0.67
NCOs / Avg Loans 0.02 0.15 0.14
Reserves / Loans 0.81 1.00 0.94
Reserves / NPAs 144.13 92.41 105.07
Capital Ratios (%)
Tier 1 Capital 11.06 12.16 12.56
Tangible Equity / Tangible Assets 9.02 9.18 9.19
Total Equity / Total Assets 12.95 14.93 14.64
Market Ratios
Price / Earnings (x) 10.66 NA NA
Price / Book (%) 102.14 NA NA
Dividend Yield (%) 3.65 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 12/31/2018.

Peer financial data is as of 12/31/2018 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.