Peer Analysis

Performance Ratios (%) CSFL Peer Median Peer Average
ROAA 1.12 1.10 0.99
ROAE 7.65 9.23 8.31
Net Interest Margin 4.36 3.86 3.88
Efficiency Ratio 51.49 56.39 57.09
Loans / Deposits 86.79 91.11 89.41
Asset Quality Ratios (%)
NPAs / Assets 0.31 0.72 0.81
NCOs / Avg Loans 0.00 0.10 0.20
Reserves / Loans 0.47 0.89 0.96
Reserves / NPAs 102.61 76.92 154.01
Capital Ratios (%)
Tier 1 Capital 12.04 12.87 13.04
Tangible Equity / Tangible Assets 9.13 9.67 9.58
Total Equity / Total Assets 15.59 12.29 12.28
Market Ratios
Price / Earnings (x) 16.87 14.37 15.44
Price / Book (%) 106.23 129.62 130.86
Dividend Yield (%) 1.88 2.50 2.05
Data for trailing four quarters

CenterState Bank Corporation's peer group consists of the following: American National Bankshares Inc. (AMNB), Ameris Bancorp (ABCB), BNC Bancorp (BNCN), Capital City Bank Group, Inc. (CCBG), Cardinal Financial Corporation (CFNL), First Bancorp (FBNC), First Community Bankshares, Inc. (FCBC), First Guaranty Bancshares, Inc. (FGBI), Home BancShares, Inc. (HOMB), LegacyTexas Financial Group, Inc. (LTXB), MidSouth Bancorp, Inc. (MSL), Seacoast Banking Corporation of Florida (SBCF), Simmons First National Corporation (SFNC), Southeastern Bank Financial Corporation (SBFC), State Bank Financial Corporation (STBZ), Wilson Bank Holding Co. (WBHC), Yadkin Financial Corporation (YDKN)

CenterState Bank Corporation's financial data is as of 9/30/2018.

Peer financial data is as of 9/30/2018 except for these companies:

Southeastern Bank Financial Corporation's financial data is as of 12/31/2016.
Cardinal Financial Corporation's financial data is as of 3/31/2017.
BNC Bancorp's financial data is as of 3/31/2017.
Yadkin Financial Corporation's financial data is as of 12/31/2016.
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