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Peer Analysis

Performance Ratios (%) DNBF Peer Median Peer Average
ROAA 0.96 1.02 0.98
ROAE 9.57 10.42 9.86
Net Interest Margin 3.41 3.52 3.43
Efficiency Ratio 62.85 61.21 64.69
Loans / Deposits 99.12 95.34 95.31
Asset Quality Ratios (%)
NPAs / Assets NA 0.92 0.85
NCOs / Avg Loans 0.07 0.04 0.04
Reserves / Loans 0.74 1.14 1.15
Reserves / NPAs NA 107.72 153.33
Capital Ratios (%)
Tier 1 Capital 12.87 12.32 13.11
Tangible Equity / Tangible Assets 9.59 9.43 9.34
Total Equity / Total Assets 10.88 9.95 10.07
Market Ratios
Price / Earnings (x) 18.09 12.20 14.16
Price / Book (%) 165.10 124.61 126.33
Dividend Yield (%) 0.61 2.81 2.52
Data for trailing four quarters

DNB Financial Corporation's peer group consists of the following: 1st Constitution Bancorp (FCCY), Bancorp of New Jersey, Inc. (BKJ), CCFNB Bancorp, Inc. (CCFN), Citizens Financial Services, Inc. (CZFS), Elmira Savings Bank (ESBK), Embassy Bancorp Inc. (EMYB), Evans Bancorp, Inc. (EVBN), First Capital Bancorp, Inc., Kish Bancorp, Inc. (KISB), Norwood Financial Corp. (NWFL), Peoples Financial Services Corp. (PFIS), QNB Corp. (QNBC), Virginia Heritage Bank

DNB Financial Corporation's financial data is as of 9/30/2019.

Peer financial data is as of 9/30/2019 except for these companies:

Virginia Heritage Bank's financial data is as of 9/30/2014.
First Capital Bancorp, Inc.'s financial data is as of 9/30/2015.