Performance Ratios (%) FBIZ Peer Median Peer Average
ROAA 0.86 1.07 1.12
ROAE 9.41 10.46 10.68
Net Interest Margin 3.72 3.72 3.74
Efficiency Ratio 72.87 60.03 59.81
Loans / Deposits 111.16 94.09 93.39
Asset Quality Ratios (%)
NPAs / Assets 1.43 0.57 0.75
NCOs / Avg Loans 0.24 0.02 0.03
Reserves / Loans 1.26 0.91 0.92
Reserves / NPAs 72.87 87.94 182.41
Capital Ratios (%)
Tier 1 Capital 9.41 11.95 12.38
Tangible Equity / Tangible Assets 8.63 9.61 9.69
Total Equity / Total Assets 9.19 10.80 10.94
Market Ratios
Price / Earnings (x) 11.42 13.42 14.26
Price / Book (%) 103.31 122.77 137.10
Dividend Yield (%) 2.82 1.98 1.86
Data for trailing four quarters

First Business Financial Services, Inc.'s peer group consists of the following: American National Bankshares Inc. (AMNB), Bridgewater Bancshares, Inc. (BWB), Civista Bancshares, Inc. (CIVB), Codorus Valley Bancorp, Inc. (CVLY), Community Bankers Trust Corporation (ESXB), Community Financial Corporation (TCFC), First Community Corporation (FCCO), First Guaranty Bancshares, Inc. (FGBI), FVCBankcorp, Inc. (FVCB), Investar Holding Corporation (ISTR), Level One Bancorp, Inc. (LEVL), Macatawa Bank Corporation (MCBC), Mackinac Financial Corporation (MFNC), Malvern Bancorp, Inc. (MLVF), Mercantile Bank Corporation (MBWM), Mid Penn Bancorp, Inc. (MPB), Nicolet Bankshares, Inc. (NCBS), Old Line Bancshares, Inc. (OLBK), Old Second Bancorp, Inc. (OSBC), Peoples Financial Services Corp. (PFIS), People's Utah Bancorp (PUB), Stock Yards Bancorp, Inc. (SYBT), West Bancorporation, Inc. (WTBA)

First Business Financial Services, Inc.'s financial data is as of 12/31/2018.

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

American National Bankshares Inc.'s financial data is as of 3/31/2019.
Codorus Valley Bancorp, Inc.'s financial data is as of 3/31/2019.
First Community Corporation's financial data is as of 3/31/2019.
Mercantile Bank Corporation's financial data is as of 3/31/2019.
Nicolet Bankshares, Inc.'s financial data is as of 3/31/2019.
FVCBankcorp, Inc.'s financial data is as of 3/31/2019.