Peer Analysis

Performance Ratios (%) CSFL Peer Median Peer Average
ROAA 1.43 1.31 1.39
ROAE 9.41 9.77 10.51
Net Interest Margin 4.39 3.88 3.96
Efficiency Ratio 50.46 54.99 53.07
Loans / Deposits 88.00 94.55 93.45
Asset Quality Ratios (%)
NPAs / Assets 0.29 0.53 0.57
NCOs / Avg Loans 0.02 0.13 0.16
Reserves / Loans 0.47 0.63 0.69
Reserves / NPAs 112.66 77.63 119.35
Capital Ratios (%)
Tier 1 Capital 12.27 12.10 11.96
Tangible Equity / Tangible Assets 9.60 9.29 9.64
Total Equity / Total Assets 15.98 13.37 13.73
Market Ratios
Price / Earnings (x) 13.88 12.65 13.21
Price / Book (%) 118.57 120.67 128.40
Dividend Yield (%) 1.80 2.41 2.24
Data for trailing four quarters

CenterState Bank Corporation's peer group consists of the following: Ameris Bancorp (ABCB), BancorpSouth Bank (BXS), Bank OZK (OZK), First Bancorp (FBNC), First Choice Bancorp (FCBP), Hancock Whitney Corporation (HWC), Home BancShares, Inc. (HOMB), IBERIABANK Corporation (IBKC), Pinnacle Financial Partners, Inc. (PNFP), Renasant Corporation (RNST), Republic Bancorp, Inc. (RBCA.A), Seacoast Banking Corporation of Florida (SBCF), ServisFirst Bancshares, Inc. (SFBS), Simmons First National Corporation (SFNC), South State Corporation (SSB), TowneBank (TOWN), Trustmark Corporation (TRMK), Union Bankshares Corporation (UBSH), United Bankshares, Inc. (UBSI), United Community Banks, Inc. (UCBI)

CenterState Bank Corporation's financial data is as of 12/31/2018.

Peer financial data is as of 12/31/2018 except for these companies:

Hancock Whitney Corporation's financial data is as of 3/31/2019.
Bank OZK's financial data is as of 3/31/2019.
BancorpSouth Bank's financial data is as of 3/31/2019.
Home BancShares, Inc.'s financial data is as of 3/31/2019.
Pinnacle Financial Partners, Inc.'s financial data is as of 3/31/2019.
ServisFirst Bancshares, Inc.'s financial data is as of 3/31/2019.
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