Performance Ratios (%) SASR Peer Median Peer Average
ROAA 1.23 1.20 1.10
ROAE 9.63 7.54 7.56
Net Interest Margin 3.56 3.31 3.35
Efficiency Ratio 52.93 54.19 56.68
Loans / Deposits 107.06 95.15 94.56
Asset Quality Ratios (%)
NPAs / Assets 0.38 0.78 0.73
NCOs / Avg Loans 0.01 0.15 0.14
Reserves / Loans 0.77 1.00 0.95
Reserves / NPAs 156.04 92.41 102.34
Capital Ratios (%)
Tier 1 Capital 11.01 12.38 12.63
Tangible Equity / Tangible Assets 8.58 9.18 9.30
Total Equity / Total Assets 12.59 14.93 14.83
Market Ratios
Price / Earnings (x) 14.80 NA NA
Price / Book (%) 139.30 NA NA
Dividend Yield (%) 2.78 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 6/30/2018.

Peer financial data is as of 6/30/2018 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 3/31/2018.