Peer Analysis

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Performance Ratios (%) SSFN Peer Median Peer Average
ROAA 0.52 0.74 0.78
ROAE 6.56 7.30 8.24
Net Interest Margin 3.11 3.51 3.58
Efficiency Ratio 67.72 62.47 58.79
Loans / Deposits 91.65 102.24 99.18
Asset Quality Ratios (%)
NPAs / Assets 0.76 1.07 1.39
NCOs / Avg Loans (0.03) 0.08 0.08
Reserves / Loans 1.19 1.15 1.17
Reserves / NPAs 120.03 54.82 99.49
Capital Ratios (%)
Tier 1 Capital 11.12 11.77 12.12
Tangible Equity / Tangible Assets 8.06 8.89 9.20
Total Equity / Total Assets 8.06 10.16 9.76
Market Ratios
Price / Earnings (x) 20.79 19.90 22.22
Price / Book (%) 138.22 147.03 153.42
Dividend Yield (%) 1.01 1.09 1.31
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), SB One Bancorp (SBBX), Two River Bancorp (TRCB), Unity Bancorp, Inc. (UNTY)

Stewardship Financial Corporation's financial data is as of 3/31/2018.

Peer financial data is as of 3/31/2018

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