Performance Ratios (%) SASR Peer Median Peer Average
ROAA 1.40 1.20 1.12
ROAE 10.46 8.09 7.74
Net Interest Margin 3.53 3.31 3.33
Efficiency Ratio 50.95 54.19 56.43
Loans / Deposits 101.58 94.66 94.39
Asset Quality Ratios (%)
NPAs / Assets 0.48 0.73 0.66
NCOs / Avg Loans 0.03 0.15 0.14
Reserves / Loans 0.82 1.00 0.94
Reserves / NPAs 136.15 92.41 105.06
Capital Ratios (%)
Tier 1 Capital 11.52 12.17 12.56
Tangible Equity / Tangible Assets 9.71 9.18 9.23
Total Equity / Total Assets 13.51 14.93 14.60
Market Ratios
Price / Earnings (x) 10.32 NA NA
Price / Book (%) 105.78 NA NA
Dividend Yield (%) 3.55 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 9/30/2019.

Peer financial data is as of 9/30/2019 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 6/30/2019.