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Performance Ratios (%) IBTX Peer Median Peer Average
ROAA 1.32 1.14 1.15
ROAE 8.50 8.83 8.79
Net Interest Margin 3.98 3.98 3.93
Efficiency Ratio 45.31 60.56 57.63
Loans / Deposits 97.26 95.61 94.70
Asset Quality Ratios (%)
NPAs / Assets NA 0.84 0.76
NCOs / Avg Loans 0.07 0.10 0.15
Reserves / Loans 0.44 0.82 0.80
Reserves / NPAs NA 70.44 70.44
Capital Ratios (%)
Tier 1 Capital 10.19 11.67 12.30
Tangible Equity / Tangible Assets 8.98 10.18 10.66
Total Equity / Total Assets 15.64 13.76 13.28
Market Ratios
Price / Earnings (x) 10.91 13.16 12.51
Price / Book (%) 89.29 104.86 105.01
Dividend Yield (%) 2.06 2.05 2.22
Data for trailing four quarters

Independent Bank Group, Inc.'s peer group consists of the following: Allegiance Bancshares, Inc. (ABTX), Business First Bancshares, Inc. (BFST), Cadence Bancorporation (CADE), CBTX, Inc. (CBTX), Guaranty Bancshares, Inc. (GNTY), Home Bancorp, Inc. (HBCP), IBERIABANK Corporation (IBKC), Investar Holding Corporation (ISTR), Origin Bancorp, Inc. (OBNK), Veritex Holdings, Inc. (VBTX)

Independent Bank Group, Inc.'s financial data is as of 12/31/2019.

Peer financial data is as of 12/31/2019