Peer Analysis
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Performance Ratios (%) FNCB Peer Median Peer Average
ROAA 1.09 1.19 1.04
ROAE 15.38 10.20 8.56
Net Interest Margin 3.22 3.70 3.71
Efficiency Ratio 68.53 61.31 64.61
Loans / Deposits 76.59 92.40 89.82
Asset Quality Ratios (%)
NPAs / Assets 1.29 0.48 0.43
NCOs / Avg Loans 0.25 0.13 0.19
Reserves / Loans 1.13 1.37 1.40
Reserves / NPAs 59.60 252.90 234.00
Capital Ratios (%)
Tier 1 Capital NA 15.87 15.92
Tangible Equity / Tangible Assets 7.85 9.52 10.50
Total Equity / Total Assets 7.85 11.46 12.03
Market Ratios
Price / Earnings (x) 9.56 16.96 16.86
Price / Book (%) 130.63 160.64 166.43
Dividend Yield (%) 2.65 2.17 2.28
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 12/31/2018.

Peer financial data is as of 12/31/2018 except for these companies:

National Penn Bancshares, Inc.'s financial data is as of 12/31/2015.
Honat Bancorp, Inc.'s financial data is as of 9/30/2018.