Peer Analysis

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Performance Ratios (%) SSFN Peer Median Peer Average
ROAA 0.45 0.66 0.75
ROAE 5.88 6.93 7.90
Net Interest Margin 3.13 3.49 3.54
Efficiency Ratio 68.35 63.20 60.73
Loans / Deposits 93.09 102.30 98.72
Asset Quality Ratios (%)
NPAs / Assets NA 0.78 0.96
NCOs / Avg Loans (0.03) 0.09 0.10
Reserves / Loans 1.23 1.16 1.18
Reserves / NPAs NA 120.04 154.86
Capital Ratios (%)
Tier 1 Capital NA 11.33 11.18
Tangible Equity / Tangible Assets 7.93 9.08 8.72
Total Equity / Total Assets 7.93 9.52 9.15
Market Ratios
Price / Earnings (x) 22.70 21.89 20.76
Price / Book (%) 133.37 142.88 151.85
Dividend Yield (%) 1.06 1.12 1.27
Data for trailing four quarters

Stewardship Financial Corporation's peer group consists of the following: 1st Colonial Bancorp, Inc. (FCOB), 1st Constitution Bancorp (FCCY), Bancorp of New Jersey, Inc. (BKJ), BCB Bancorp, Inc. (BCBP), Parke Bancorp, Inc. (PKBK), Sussex Bancorp (SBBX), Two River Bancorp (TRCB), Unity Bancorp, Inc. (UNTY)

Stewardship Financial Corporation's financial data is as of 12/31/2017.

Peer financial data is as of 12/31/2017 except for these companies:

Bancorp of New Jersey, Inc.'s financial data is as of 9/30/2017.

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