Peer Analysis

Performance Ratios (%) ENBP Peer Median Peer Average
ROAA 0.98 1.01 1.04
ROAE 10.23 11.01 10.61
Net Interest Margin 3.58 3.37 3.40
Efficiency Ratio 69.51 63.46 63.29
Loans / Deposits 77.94 86.40 87.74
Asset Quality Ratios (%)
NPAs / Assets NA 1.25 1.12
NCOs / Avg Loans NA 0.07 0.08
Reserves / Loans NA 1.12 1.10
Reserves / NPAs NA 68.32 87.79
Capital Ratios (%)
Tier 1 Capital NA 12.59 12.49
Tangible Equity / Tangible Assets 10.09 8.93 9.23
Total Equity / Total Assets 10.09 9.67 10.05
Market Ratios
Price / Earnings (x) 10.81 12.84 13.64
Price / Book (%) NA 118.76 135.26
Dividend Yield (%) 6.25 3.21 3.07
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 9/30/2019.

Peer financial data is as of 9/30/2019
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