INVESTOR RELATIONS

 
Performance Ratios (%) FNCB Peer Median Peer Average
ROAA 0.92 1.20 1.08
ROAE 8.89 9.68 8.62
Net Interest Margin 3.27 3.56 3.66
Efficiency Ratio 69.10 61.10 63.90
Loans / Deposits 82.71 90.96 91.80
Asset Quality Ratios (%)
NPAs / Assets 1.58 0.56 0.96
NCOs / Avg Loans 0.16 0.20 0.25
Reserves / Loans 1.08 1.27 1.24
Reserves / NPAs 47.06 169.84 144.82
Capital Ratios (%)
Tier 1 Capital NA 13.48 14.43
Tangible Equity / Tangible Assets 11.10 10.34 10.96
Total Equity / Total Assets 11.10 11.92 12.44
Market Ratios
Price / Earnings (x) 14.29 19.77 17.90
Price / Book (%) 120.78 165.34 162.14
Dividend Yield (%) 2.50 2.26 2.30
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 12/31/2019.

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

Community Bank System, Inc.'s financial data is as of 12/31/2019.
National Penn Bancshares, Inc.'s financial data is as of 12/31/2015.
Norwood Financial Corp.'s financial data is as of 12/31/2019.
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