Performance Ratios (%) FBIZ Peer Median Peer Average
ROAA 0.87 0.93 0.95
ROAE 9.54 10.23 9.06
Net Interest Margin 3.70 3.62 3.69
Efficiency Ratio 67.96 59.68 59.26
Loans / Deposits 113.46 96.06 95.02
Asset Quality Ratios (%)
NPAs / Assets 1.70 0.48 0.59
NCOs / Avg Loans 0.29 0.01 0.01
Reserves / Loans 1.28 0.88 0.92
Reserves / NPAs 63.42 139.42 191.35
Capital Ratios (%)
Tier 1 Capital 9.54 12.02 12.17
Tangible Equity / Tangible Assets 8.85 9.24 9.51
Total Equity / Total Assets 9.37 11.11 10.94
Market Ratios
Price / Earnings (x) 10.65 15.84 21.16
Price / Book (%) 98.12 121.96 131.04
Dividend Yield (%) 2.83 1.70 1.72
Data for trailing four quarters

First Business Financial Services, Inc.'s peer group consists of the following: Atlantic Capital Bancshares, Inc. (ACBI), CapStar Financial Holdings, Inc. (CSTR), Civista Bancshares, Inc. (CIVB), CoBiz Financial Inc. (COBZ), Community Financial Corporation (TCFC), First Community Corporation (FCCO), First Community Financial Partners, Inc. (FCFP), First Financial Northwest, Inc. (FFNW), Franklin Financial Network, Inc. (FSB), Guaranty Bancorp (GBNK), Macatawa Bank Corporation (MCBC), Mercantile Bank Corporation (MBWM), Mid Penn Bancorp, Inc. (MPB), National Commerce Corporation (NCOM), Old Line Bancshares, Inc. (OLBK), Paragon Commercial Corporation (PBNC), Park Sterling Corporation (PSTB), People's Utah Bancorp (PUB), QCR Holdings, Inc. (QCRH), Southern National Bancorp of Virginia, Inc. (SONA), Southwest Bancorp, Inc. (OKSB), Stock Yards Bancorp, Inc. (SYBT), West Bancorporation, Inc. (WTBA)

First Business Financial Services, Inc.'s financial data is as of 9/30/2018.

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

Southwest Bancorp, Inc.'s financial data is as of 9/30/2017.
CoBiz Financial Inc.'s financial data is as of 6/30/2018.
Paragon Commercial Corporation's financial data is as of 9/30/2017.
First Community Financial Partners, Inc.'s financial data is as of 3/31/2017.
Park Sterling Corporation's financial data is as of 9/30/2017.