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Peer Analysis

Peer Analysis

Performance Ratios (%) LKFN Peer Median Peer Average
ROAA 1.76 1.31 1.32
ROAE 15.47 10.99 11.12
Net Interest Margin 3.38 3.74 3.68
Efficiency Ratio 44.45 58.08 58.25
Loans / Deposits 98.36 93.10 92.86
Asset Quality Ratios (%)
NPAs / Assets 0.50 0.43 0.70
NCOs / Avg Loans 0.03 0.11 0.13
Reserves / Loans 1.24 0.84 0.86
Reserves / NPAs 203.42 127.53 207.96
Capital Ratios (%)
Tier 1 Capital 13.21 12.19 12.83
Tangible Equity / Tangible Assets 12.00 9.39 9.87
Total Equity / Total Assets 12.09 12.17 12.10
Market Ratios
Price / Earnings (x) 14.36 12.56 12.74
Price / Book (%) 206.49 127.72 135.30
Dividend Yield (%) 2.47 2.66 2.53
Data for trailing four quarters

Lakeland Financial Corporation's peer group consists of the following: 1st Source Corporation (SRCE), Community Trust Bancorp, Inc. (CTBI), Enterprise Financial Services Corp (EFSC), First Busey Corporation (BUSE), First Commonwealth Financial Corporation (FCF), First Merchants Corporation (FRME), German American Bancorp, Inc. (GABC), Heartland Financial USA, Inc. (HTLF), Horizon Bancorp, Inc. (HBNC), Mercantile Bank Corporation (MBWM), Midland States Bancorp, Inc. (MSBI), MidWestOne Financial Group, Inc. (MOFG), Park National Corporation (PRK), Peoples Bancorp Inc. (PEBO), QCR Holdings, Inc. (QCRH), Republic Bancorp, Inc. (RBCA.A), Stock Yards Bancorp, Inc. (SYBT), TriState Capital Holdings, Inc. (TSC)

Lakeland Financial Corporation's financial data is as of 12/31/2019.

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

First Merchants Corporation's financial data is as of 9/30/2019.
Stock Yards Bancorp, Inc.'s financial data is as of 9/30/2019.
First Busey Corporation's financial data is as of 9/30/2019.
Horizon Bancorp, Inc.'s financial data is as of 9/30/2019.
TriState Capital Holdings, Inc.'s financial data is as of 9/30/2019.
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