INVESTOR RELATIONS

 
Performance Ratios (%) FNCB Peer Median Peer Average
ROAA 0.92 1.18 1.13
ROAE 8.89 9.68 9.10
Net Interest Margin 3.27 3.53 3.65
Efficiency Ratio 69.10 61.10 64.89
Loans / Deposits 82.71 91.27 92.08
Asset Quality Ratios (%)
NPAs / Assets 1.58 0.56 0.55
NCOs / Avg Loans 0.16 0.13 0.16
Reserves / Loans 1.08 1.27 1.24
Reserves / NPAs 47.06 169.84 183.41
Capital Ratios (%)
Tier 1 Capital NA 14.51 15.22
Tangible Equity / Tangible Assets 11.10 10.32 10.96
Total Equity / Total Assets 11.10 11.92 12.45
Market Ratios
Price / Earnings (x) 12.68 18.42 17.48
Price / Book (%) 107.19 173.47 167.12
Dividend Yield (%) 3.10 2.32 2.35
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:

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