Peer Analysis

Performance Ratios (%) ENBP Peer Median Peer Average
ROAA 0.97 0.96 0.93
ROAE 10.22 9.91 9.66
Net Interest Margin 3.58 3.35 3.39
Efficiency Ratio 70.74 64.04 64.33
Loans / Deposits 76.29 89.84 89.34
Asset Quality Ratios (%)
NPAs / Assets NA 1.32 1.21
NCOs / Avg Loans NA 0.08 0.19
Reserves / Loans NA 1.12 1.12
Reserves / NPAs NA 69.82 94.87
Capital Ratios (%)
Tier 1 Capital NA 12.04 12.22
Tangible Equity / Tangible Assets 9.94 8.87 9.00
Total Equity / Total Assets 9.94 9.58 9.80
Market Ratios
Price / Earnings (x) 10.41 14.12 16.14
Price / Book (%) NA 125.37 142.90
Dividend Yield (%) 3.14 3.11 3.04
Data for trailing four quarters

ENB Financial Corp's peer group consists of the following: Citizens Financial Services, Inc. (CZFS), Community Financial Corporation (TCFC), Fidelity D & D Bancorp, Inc. (FDBC), First Keystone Corporation (FKYS), Franklin Financial Services Corporation (FRAF), Orrstown Financial Services, Inc. (ORRF), Penns Woods Bancorp, Inc. (PWOD), QNB Corp. (QNBC)

ENB Financial Corp's financial data is as of 6/30/2019.

Peer financial data is as of 6/30/2019
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