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Peer Analysis

Performance Ratios (%) DNBF Peer Median Peer Average
ROAA 0.59 0.86 0.85
ROAE 7.38 8.74 8.47
Net Interest Margin 3.18 3.60 3.44
Efficiency Ratio 70.96 64.48 65.71
Loans / Deposits 92.36 90.01 89.10
Asset Quality Ratios (%)
NPAs / Assets NA 0.67 0.74
NCOs / Avg Loans NA 0.04 0.08
Reserves / Loans 0.66 1.17 1.17
Reserves / NPAs NA 119.41 147.78
Capital Ratios (%)
Tier 1 Capital 10.65 12.41 13.48
Tangible Equity / Tangible Assets 7.51 8.80 9.00
Total Equity / Total Assets 8.86 9.72 9.83
Market Ratios
Price / Earnings (x) 21.91 16.70 16.95
Price / Book (%) 151.89 137.00 136.86
Dividend Yield (%) 0.82 2.96 2.29
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. (FCVA), Kish Bancorp, Inc. (KISB), Norwood Financial Corp. (NWFL), Peoples Financial Services Corp. (PFIS), QNB Corp. (QNBC), Virginia Heritage Bank (VGBK)

DNB Financial Corporation's financial data is as of 12/31/2016.

Peer financial data is as of 12/31/2016 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.
Embassy Bancorp, Inc.'s financial data is as of 9/30/2016.