Peer Analysis

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Performance Ratios (%) FRAF Peer Median Peer Average
ROAA (0.42) 0.97 1.03
ROAE (4.22) 9.90 10.18
Net Interest Margin 3.70 3.72 3.67
Efficiency Ratio 86.77 61.12 63.46
Loans / Deposits 90.59 90.25 87.23
Asset Quality Ratios (%)
NPAs / Assets 1.50 0.87 0.82
NCOs / Avg Loans 0.93 0.07 0.07
Reserves / Loans 1.29 1.17 1.14
Reserves / NPAs 70.06 97.09 212.63
Capital Ratios (%)
Tier 1 Capital 13.64 12.36 13.95
Tangible Equity / Tangible Assets 8.86 8.75 9.27
Total Equity / Total Assets 9.55 9.55 9.98
Market Ratios
Price / Earnings (x) NA 13.43 13.81
Price / Book (%) 119.96 148.54 138.71
Dividend Yield (%) 3.47 2.75 3.00
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 9/30/2018.

Peer financial data is as of 9/30/2018