Performance Ratios (%) SASR Peer Median Peer Average
ROAA 1.33 1.20 1.09
ROAE 10.01 7.48 7.54
Net Interest Margin 3.40 3.30 3.26
Efficiency Ratio 51.98 54.19 57.74
Loans / Deposits 104.11 96.12 95.83
Asset Quality Ratios (%)
NPAs / Assets 0.50 0.70 0.65
NCOs / Avg Loans 0.03 0.15 0.14
Reserves / Loans 0.83 1.00 0.94
Reserves / NPAs 131.30 92.41 106.16
Capital Ratios (%)
Tier 1 Capital 11.21 12.53 12.68
Tangible Equity / Tangible Assets 9.40 9.18 9.33
Total Equity / Total Assets 13.13 14.93 14.71
Market Ratios
Price / Earnings (x) 6.91 NA NA
Price / Book (%) 68.24 NA NA
Dividend Yield (%) 5.43 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.