Performance Ratios (%) SASR Peer Median Peer Average
ROAA 1.33 1.20 1.10
ROAE 10.01 7.85 7.66
Net Interest Margin 3.40 3.28 3.26
Efficiency Ratio 51.98 54.19 56.95
Loans / Deposits 104.11 96.12 95.08
Asset Quality Ratios (%)
NPAs / Assets 0.50 0.75 0.67
NCOs / Avg Loans 0.03 0.12 0.13
Reserves / Loans 0.83 1.00 0.94
Reserves / NPAs 131.30 92.41 104.69
Capital Ratios (%)
Tier 1 Capital 11.21 12.28 12.60
Tangible Equity / Tangible Assets 9.40 9.18 9.29
Total Equity / Total Assets 13.13 14.93 14.67
Market Ratios
Price / Earnings (x) 11.21 NA NA
Price / Book (%) 110.72 NA NA
Dividend Yield (%) 3.35 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 12/31/2019.

Peer financial data is as of 12/31/2019 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.
United Bankshares, Inc.'s financial data is as of 9/30/2019.