Performance Ratios (%) FBIZ Peer Median Peer Average
ROAA 1.08 1.07 1.21
ROAE 11.86 9.79 10.95
Net Interest Margin 3.60 3.64 3.73
Efficiency Ratio 75.56 58.93 59.22
Loans / Deposits 114.03 93.99 92.84
Asset Quality Ratios (%)
NPAs / Assets 1.23 0.49 0.68
NCOs / Avg Loans 0.11 0.03 0.05
Reserves / Loans 1.17 0.88 0.91
Reserves / NPAs 78.07 103.82 147.05
Capital Ratios (%)
Tier 1 Capital 9.62 11.87 12.49
Tangible Equity / Tangible Assets 8.59 10.01 9.92
Total Equity / Total Assets 9.12 10.97 11.16
Market Ratios
Price / Earnings (x) 10.34 13.21 13.83
Price / Book (%) 115.65 132.70 138.78
Dividend Yield (%) 2.35 2.02 1.83
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., 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 9/30/2019.

Peer financial data is as of 9/30/2019