Peer Analysis

Performance Ratios (%) ENBP Peer Median Peer Average
ROAA 0.89 0.93 0.91
ROAE 9.54 9.51 9.51
Net Interest Margin 3.57 3.36 3.43
Efficiency Ratio 71.91 63.27 63.85
Loans / Deposits 76.37 90.76 91.22
Asset Quality Ratios (%)
NPAs / Assets NA 1.25 1.22
NCOs / Avg Loans NA 0.07 0.17
Reserves / Loans NA 1.12 1.12
Reserves / NPAs NA 74.51 92.26
Capital Ratios (%)
Tier 1 Capital NA 12.21 12.47
Tangible Equity / Tangible Assets 9.61 8.64 8.70
Total Equity / Total Assets 9.61 9.34 9.51
Market Ratios
Price / Earnings (x) 10.66 13.57 15.54
Price / Book (%) NA 130.26 138.70
Dividend Yield (%) 3.49 3.05 3.17
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 3/31/2019.

Peer financial data is as of 3/31/2019