Peer Analysis

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Performance Ratios (%) FRAF Peer Median Peer Average
ROAA 0.87 0.88 0.93
ROAE NA 8.36 8.55
Net Interest Margin NA 3.58 3.48
Efficiency Ratio NA 66.69 67.83
Loans / Deposits NA 75.83 79.03
Asset Quality Ratios (%)
NPAs / Assets NA 0.99 1.02
NCOs / Avg Loans NA 0.08 0.10
Reserves / Loans NA 1.12 1.25
Reserves / NPAs NA 74.65 83.25
Capital Ratios (%)
Tier 1 Capital NA NA NA
Tangible Equity / Tangible Assets NA 10.03 10.28
Total Equity / Total Assets NA 10.23 10.91
Market Ratios
Price / Earnings (x) 11.21 13.29 14.94
Price / Book (%) NA 129.26 125.48
Dividend Yield (%) 3.50 3.27 3.21
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 6/30/2016.

Peer financial data is as of 6/30/2016 except for these companies:

ACNB Corporation's financial data is as of 3/31/2016.
Citizens Financial Services, Inc.'s financial data is as of 3/31/2016.