Peer Analysis

Performance Ratios (%) ENBP Peer Median Peer Average
ROAA 1.01 1.01 1.06
ROAE 10.34 11.01 10.74
Net Interest Margin 3.53 3.38 3.40
Efficiency Ratio 70.92 63.46 63.18
Loans / Deposits 77.37 87.76 88.35
Asset Quality Ratios (%)
NPAs / Assets NA 1.25 1.14
NCOs / Avg Loans NA 0.07 0.08
Reserves / Loans NA 1.12 1.09
Reserves / NPAs NA 68.32 81.79
Capital Ratios (%)
Tier 1 Capital NA 12.59 12.45
Tangible Equity / Tangible Assets 9.96 8.93 9.20
Total Equity / Total Assets 9.96 9.62 10.01
Market Ratios
Price / Earnings (x) 10.42 12.95 13.25
Price / Book (%) NA 119.59 134.96
Dividend Yield (%) 3.05 3.08 3.03
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 12/31/2019.

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

Orrstown Financial Services, Inc.'s financial data is as of 12/31/2019.
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