Performance Ratios (%) TRCB Peer Median Peer Average
ROAA 0.81 0.87 0.96
ROAE 7.76 8.05 9.13
Net Interest Margin 3.58 3.59 3.63
Efficiency Ratio 61.51 57.52 55.61
Loans / Deposits 99.46 102.61 101.19
Asset Quality Ratios (%)
NPAs / Assets 0.70 1.18 1.18
NCOs / Avg Loans 0.03 0.05 0.09
Reserves / Loans 1.26 1.09 1.12
Reserves / NPAs 148.83 66.34 111.31
Capital Ratios (%)
Tier 1 Capital 9.99 12.04 13.19
Tangible Equity / Tangible Assets 8.97 9.64 10.05
Total Equity / Total Assets 10.48 10.37 10.43
Market Ratios
Price / Earnings (x) 15.47 16.14 17.51
Price / Book (%) 114.26 128.95 129.91
Dividend Yield (%) 1.45 1.22 1.40
Data for trailing four quarters

Two River Bancorp's peer group consists of the following: 1st Constitution Bancorp (FCCY), Bancorp of New Jersey, Inc. (BKJ), Bank of Princeton (BPRN), BCB Bancorp, Inc. (BCBP), First Bank (FRBA), First Commerce Bank (CMRB), Parke Bancorp, Inc. (PKBK), SB One Bancorp (SBBX), Stewardship Financial Corporation (SSFN), Unity Bancorp, Inc. (UNTY)

Two River Bancorp's financial data is as of 9/30/2018.

Peer financial data is as of 9/30/2018 except for these companies:

First Commerce Bank's financial data is as of 6/30/2018.

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