Peer Analysis
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Performance Ratios (%) FNCB Peer Median Peer Average
ROAA 1.09 1.20 1.08
ROAE 15.38 10.20 8.82
Net Interest Margin 3.22 3.64 3.69
Efficiency Ratio 68.00 61.33 64.06
Loans / Deposits 76.59 92.74 90.40
Asset Quality Ratios (%)
NPAs / Assets 1.29 0.48 0.82
NCOs / Avg Loans 0.25 0.15 0.19
Reserves / Loans 1.13 1.32 1.30
Reserves / NPAs 59.60 169.84 173.24
Capital Ratios (%)
Tier 1 Capital 11.42 13.53 15.42
Tangible Equity / Tangible Assets 7.85 9.66 10.57
Total Equity / Total Assets 7.85 11.45 12.10
Market Ratios
Price / Earnings (x) 9.81 16.97 16.84
Price / Book (%) 134.09 158.71 167.66
Dividend Yield (%) 2.58 2.15 2.27
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.
Norwood Financial Corp.'s financial data is as of 3/31/2019.
Landmark Bancorp, Inc.'s financial data is as of 3/31/2019.