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Peer Analysis

Performance Ratios (%) QNBC Peer Median Peer Average
ROAA 0.96 0.94 0.94
ROAE 10.47 9.95 9.73
Net Interest Margin 3.13 3.31 3.36
Efficiency Ratio 64.20 64.18 64.34
Loans / Deposits 77.34 92.33 90.42
Asset Quality Ratios (%)
NPAs / Assets 0.82 1.29 1.10
NCOs / Avg Loans 0.02 0.06 0.13
Reserves / Loans 1.12 1.04 1.06
Reserves / NPAs 91.66 67.33 82.28
Capital Ratios (%)
Tier 1 Capital NA 12.70 14.09
Tangible Equity / Tangible Assets 8.88 8.99 9.09
Total Equity / Total Assets 8.88 9.48 9.68
Market Ratios
Price / Earnings (x) 11.74 14.38 14.63
Price / Book (%) 127.38 127.04 129.02
Dividend Yield (%) 3.36 2.65 2.41
Data for trailing four quarters

QNB Corp.'s peer group consists of the following: 1st Summit Bancorp of Johnstown, Inc. (FSMK), AmeriServ Financial, Inc. (ASRV), Bancorp of New Jersey, Inc. (BKJ), Citizens & Northern Corporation (CZNC), Citizens Financial Services, Inc. (CZFS), Community Financial Corporation (TCFC), DNB Financial Corporation (DNBF), Embassy Bancorp, Inc. (EMYB), Emclaire Financial Corp (EMCF), ENB Financial Corp (ENBP), Farmers & Merchants Bancorp (FMCB), Fidelity D & D Bancorp, Inc. (FDBC), First Bank (FRBA), First Keystone Corporation (FKYS), FNB Bancorp, Inc. (FBIP), FNCB Bancorp, Inc. (FNCB), Franklin Financial Services Corporation (FRAF), Harleysville Financial Corporation (HARL), Kish Bancorp, Inc. (KISB), Malvern Bancorp, Inc. (MLVF), Marquette National Corporation (MNAT), Meridian Bancorp, Inc. (EBSB), Penns Woods Bancorp, Inc. (PWOD), Prudential Bancorp, Inc. (PBIP), QNB Corp. (QNBC), Riverview Financial Corporation (RIVE), Somerset Trust Holding Company (SOME), Standard AVB Financial Corp. (STND), Washington Bancorp, Inc. (WGTB), Wayne Savings Bancshares, Inc. (WAYN)

QNB Corp.'s financial data is as of 12/31/2018.

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

Somerset Trust Holding Company's financial data is as of 9/30/2018.
Bancorp of New Jersey, Inc.'s financial data is as of 9/30/2018.
Embassy Bancorp, Inc.'s financial data is as of 9/30/2018.