Performance Ratios (%) FBIZ Peer Median Peer Average
ROAA 0.80 1.15 1.14
ROAE 9.12 9.28 9.97
Net Interest Margin 3.48 3.57 3.71
Efficiency Ratio 66.53 57.28 58.42
Loans / Deposits 120.26 92.53 89.05
Asset Quality Ratios (%)
NPAs / Assets 1.03 0.45 0.50
NCOs / Avg Loans 0.21 0.04 0.07
Reserves / Loans 1.33 1.02 1.08
Reserves / NPAs 107.56 165.98 192.66
Capital Ratios (%)
Tier 1 Capital 9.57 12.57 12.99
Tangible Equity / Tangible Assets 7.56 8.76 8.89
Total Equity / Total Assets 8.00 10.17 10.37
Market Ratios
Price / Earnings (x) 7.46 9.27 9.54
Price / Book (%) 65.41 78.15 89.26
Dividend Yield (%) 4.38 2.78 2.78
Data for trailing four quarters

First Business Financial Services, Inc.'s peer group consists of the following: Altabancorp (ALTA), American National Bankshares Inc. (AMNB), Bridgewater Bancshares, Inc. (BWB), Business First Bancshares, Inc. (BFST), CapStar Financial Holdings, Inc. (CSTR), Equity Bancshares, Inc. (EQBK), Evans Bancorp, Inc. (EVBN), Farmers & Merchants Bancorp, Inc. (FMAO), First Mid Bancshares, Inc. (FMBH), Investar Holding Corporation (ISTR), Level One Bancorp, Inc. (LEVL), Macatawa Bank Corporation (MCBC), Mercantile Bank Corporation (MBWM), Mid Penn Bancorp, Inc. (MPB), MidWestOne Financial Group, Inc. (MOFG), MVB Financial Corp. (MVBF), Nicolet Bankshares, Inc. (NCBS), Northeast Bank (NBN), SmartFinancial, Inc. (SMBK), Stock Yards Bancorp, Inc. (SYBT), Timberland Bancorp, Inc. (TSBK), West Bancorporation, Inc. (WTBA)

First Business Financial Services, Inc.'s financial data is as of 6/30/2020.

Peer financial data is as of 6/30/2020