Performance Ratios (%) SASR Peer Median Peer Average
ROAA 1.46 1.20 1.13
ROAE 11.35 8.09 7.74
Net Interest Margin 3.73 3.31 3.38
Efficiency Ratio 49.23 54.19 56.52
Loans / Deposits 108.32 96.12 95.41
Asset Quality Ratios (%)
NPAs / Assets 0.42 0.78 0.69
NCOs / Avg Loans 0.00 0.15 0.14
Reserves / Loans 0.79 1.00 0.94
Reserves / NPAs 150.75 92.41 103.86
Capital Ratios (%)
Tier 1 Capital 11.18 12.04 12.52
Tangible Equity / Tangible Assets 8.95 9.18 9.17
Total Equity / Total Assets 12.98 14.93 14.64
Market Ratios
Price / Earnings (x) 10.90 NA NA
Price / Book (%) 121.85 NA NA
Dividend Yield (%) 3.13 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 9/30/2018.

Peer financial data is as of 9/30/2018 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.
United Bankshares, Inc.'s financial data is as of 6/30/2018.