Peer Analysis

Performance Ratios (%) ENBP Peer Median Peer Average
ROAA 0.95 0.94 0.99
ROAE 9.63 9.13 9.70
Net Interest Margin 3.51 3.38 3.39
Efficiency Ratio 70.85 65.13 63.63
Loans / Deposits 77.75 88.53 88.96
Asset Quality Ratios (%)
NPAs / Assets NA 1.15 1.03
NCOs / Avg Loans 0.00 0.06 0.09
Reserves / Loans 1.28 1.17 1.18
Reserves / NPAs NA 71.15 102.95
Capital Ratios (%)
Tier 1 Capital 13.10 12.29 12.65
Tangible Equity / Tangible Assets 9.89 9.54 9.53
Total Equity / Total Assets 9.89 10.18 10.34
Market Ratios
Price / Earnings (x) 9.64 9.89 9.85
Price / Book (%) 88.90 86.46 91.69
Dividend Yield (%) 3.46 4.79 4.42
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 3/31/2020.

Peer financial data is as of 3/31/2020
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