INVESTOR RELATIONS

 
Performance Ratios (%) FNCB Peer Median Peer Average
ROAA 0.97 1.16 1.00
ROAE 8.88 8.30 7.97
Net Interest Margin 3.29 3.54 3.64
Efficiency Ratio 63.99 61.43 65.19
Loans / Deposits 81.09 91.71 89.91
Asset Quality Ratios (%)
NPAs / Assets 1.22 0.48 1.00
NCOs / Avg Loans 0.06 0.12 0.13
Reserves / Loans 1.16 1.22 1.31
Reserves / NPAs 63.66 169.84 176.11
Capital Ratios (%)
Tier 1 Capital NA 14.05 14.99
Tangible Equity / Tangible Assets 10.25 9.76 10.49
Total Equity / Total Assets 10.25 11.52 11.90
Market Ratios
Price / Earnings (x) 10.71 19.71 18.28
Price / Book (%) 87.87 133.22 126.54
Dividend Yield (%) 3.48 2.71 2.83
Data for trailing four quarters

FNCB Bancorp, Inc.'s peer group consists of the following: Community Bank System, Inc. (CBU), Dimeco, Inc. (DIMC), Fidelity D & D Bancorp, Inc. (FDBC), Honat Bancorp, Inc. (HONT), Landmark Bancorp, Inc. (LDKB), National Penn Bancshares, Inc., Norwood Financial Corp. (NWFL)

FNCB Bancorp, Inc.'s financial data is as of 6/30/2020.

Peer financial data is as of 6/30/2020 except for these companies:

National Penn Bancshares, Inc.'s financial data is as of 12/31/2015.
Dimeco, Inc.'s financial data is as of 3/31/2020.
Honat Bancorp, Inc.'s financial data is as of 3/31/2020.
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