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Peer Analysis

Performance Ratios (%) Chemical Financial Corporation Peer Median Peer Average
ROAA 1.30 1.35 1.39
ROAE 9.73 10.57 10.33
Net Interest Margin 3.44 3.76 3.80
Efficiency Ratio 52.65 54.14 54.53
Loans / Deposits 99.89 94.55 93.31
Asset Quality Ratios (%)
NPAs / Assets 0.68 0.53 0.65
NCOs / Avg Loans 0.06 0.17 0.17
Reserves / Loans 0.73 0.85 0.93
Reserves / NPAs 75.39 113.62 137.93
Capital Ratios (%)
Tier 1 Capital 10.65 12.19 12.60
Tangible Equity / Tangible Assets 8.41 9.58 9.86
Total Equity / Total Assets 13.13 13.59 13.81
Market Ratios
Price / Earnings (x) NA 12.22 12.70
Price / Book (%) NA 127.99 126.25
Dividend Yield (%) NA 2.87 2.79
Data for trailing four quarters

Chemical Financial Corporation's peer group consists of the following: 1st Source Corporation (SRCE), Community Trust Bancorp, Inc. (CTBI), First Commonwealth Financial Corporation (FCF), First Financial Bancorp. (FFBC), First Merchants Corporation (FRME), First Midwest Bancorp, Inc. (FMBI), Great Southern Bancorp, Inc. (GSBC), Heartland Financial USA, Inc. (HTLF), Home BancShares, Inc. (HOMB), MB Financial, Inc., National Penn Bancshares, Inc., Old National Bancorp (ONB), Park National Corporation (PRK), Pinnacle Financial Partners, Inc. (PNFP), S&T Bancorp, Inc. (STBA), United Bankshares, Inc. (UBSI), WesBanco, Inc. (WSBC)

Chemical Financial Corporation's financial data is as of 6/30/2019.

Peer financial data is as of 6/30/2019 except for these companies:

National Penn Bancshares, Inc.'s financial data is as of 12/31/2015.
MB Financial, Inc.'s financial data is as of 12/31/2018.