Peer Analysis

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Performance Ratios (%) FRAF Peer Median Peer Average
ROAA 0.76 0.92 0.90
ROAE 7.22 9.14 8.58
Net Interest Margin 3.57 3.57 3.55
Efficiency Ratio 65.32 63.69 66.81
Loans / Deposits 89.76 79.60 82.92
Asset Quality Ratios (%)
NPAs / Assets 1.64 1.03 1.02
NCOs / Avg Loans 0.31 0.04 0.06
Reserves / Loans 1.25 1.18 1.20
Reserves / NPAs 60.76 92.96 97.77
Capital Ratios (%)
Tier 1 Capital 14.99 13.26 14.50
Tangible Equity / Tangible Assets 9.82 9.35 9.84
Total Equity / Total Assets 10.54 9.81 10.46
Market Ratios
Price / Earnings (x) 16.80 16.13 17.83
Price / Book (%) 118.32 147.94 149.59
Dividend Yield (%) 2.94 2.74 2.81
Data for trailing four quarters

Franklin Financial Services Corporation's peer group consists of the following: ACNB Corporation (ACNB), Citizens & Northern Corporation (CZNC), Citizens Financial Services, Inc. (CZFS), CNB Financial Corporation (CCNE), Codorus Valley Bancorp, Inc. (CVLY), ENB Financial Corp (ENBP), Orrstown Financial Services, Inc. (ORRF)

Franklin Financial Services Corporation's financial data is as of 3/31/2017.

Peer financial data is as of 3/31/2017 except for these companies:

Codorus Valley Bancorp, Inc.'s financial data is as of 6/30/2017.
CNB Financial Corporation's financial data is as of 6/30/2017.
ENB Financial Corp's financial data is as of 6/30/2017.