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Peer Analysis

Performance Ratios (%) FSRL Peer Median Peer Average
ROAA 0.65 0.84 0.84
ROAE 7.45 8.02 7.99
Net Interest Margin 4.08 4.02 3.80
Efficiency Ratio 80.17 71.68 69.70
Loans / Deposits 95.07 93.61 95.32
Asset Quality Ratios (%)
NPAs / Assets 0.82 0.45 0.45
NCOs / Avg Loans NA 0.00 0.02
Reserves / Loans 0.69 0.92 1.16
Reserves / NPAs 65.27 198.01 198.01
Capital Ratios (%)
Tier 1 Capital NA NA NA
Tangible Equity / Tangible Assets 8.46 10.29 10.38
Total Equity / Total Assets 8.63 10.88 10.90
Market Ratios
Price / Earnings (x) 14.92 15.50 14.83
Price / Book (%) 110.12 108.02 111.58
Dividend Yield (%) 0.00 0.46 0.53
Data for trailing four quarters

First Reliance Bancshares, Inc.'s peer group consists of the following: Aquesta Financial Holdings, Inc. (AQFH), Carolina Trust BancShares, Inc., Security Federal Corp. (SFDL), South Atlantic Bancshares, Inc. (SABK)

First Reliance Bancshares, Inc.'s financial data is as of 12/31/2019.

Peer financial data is as of 12/31/2019 except for these companies:

Carolina Trust BancShares, Inc.'s financial data is as of 9/30/2019.
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