INVESTOR RELATIONS

 
Performance Ratios (%) FNCB Peer Median Peer Average
ROAA 1.15 1.20 1.09
ROAE 13.78 9.98 8.82
Net Interest Margin 3.19 3.57 3.67
Efficiency Ratio 69.73 61.45 63.81
Loans / Deposits 84.74 90.28 87.83
Asset Quality Ratios (%)
NPAs / Assets 1.31 0.46 0.77
NCOs / Avg Loans 0.20 0.18 0.22
Reserves / Loans 1.10 1.27 1.28
Reserves / NPAs 57.12 178.35 190.40
Capital Ratios (%)
Tier 1 Capital 14.67 13.62 15.11
Tangible Equity / Tangible Assets 10.82 10.15 10.93
Total Equity / Total Assets 10.82 11.89 12.43
Market Ratios
Price / Earnings (x) 9.19 19.53 17.66
Price / Book (%) 114.17 156.83 163.96
Dividend Yield (%) 2.72 2.29 2.26
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 6/30/2019.

Peer financial data is as of 6/30/2019 except for these companies:

National Penn Bancshares, Inc.'s financial data is as of 12/31/2015.
Landmark Bancorp, Inc.'s financial data is as of 9/30/2019.
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