INVESTOR RELATIONS

 
Performance Ratios (%) FNCB Peer Median Peer Average
ROAA 1.20 1.20 1.08
ROAE 12.95 9.68 8.66
Net Interest Margin 3.22 3.56 3.66
Efficiency Ratio 70.54 61.33 63.84
Loans / Deposits 86.81 89.49 88.82
Asset Quality Ratios (%)
NPAs / Assets 1.36 0.54 0.76
NCOs / Avg Loans 0.14 0.20 0.26
Reserves / Loans 1.11 1.27 1.24
Reserves / NPAs 57.29 171.44 168.98
Capital Ratios (%)
Tier 1 Capital 14.64 13.48 14.56
Tangible Equity / Tangible Assets 11.07 10.34 10.88
Total Equity / Total Assets 11.07 11.92 12.37
Market Ratios
Price / Earnings (x) 9.93 18.21 17.56
Price / Book (%) 122.33 160.12 164.72
Dividend Yield (%) 2.49 2.22 2.23
Data for trailing four quarters

FNCB Bancorp, Inc.'s peer group consists of the following: Community Bank System, Inc. (CBU), Dimeco, Inc. (DIMC), Fidelity D & D Bancorp, Inc. (FDBC), Honat Bancorp, Inc. (HONT), Landmark Bancorp, Inc. (LDKB), National Penn Bancshares, Inc. (NPBC), Norwood Financial Corp. (NWFL)

FNCB Bancorp, Inc.'s financial data is as of 9/30/2019.

Peer financial data is as of 9/30/2019 except for these companies:

National Penn Bancshares, Inc.'s financial data is as of 12/31/2015.
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