Performance Ratios (%) TMP Peer Median Peer Average
ROAA 0.99 1.13 1.11
ROAE 11.23 9.13 9.42
Net Interest Margin 3.39 3.61 3.55
Efficiency Ratio 61.78 57.48 58.36
Loans / Deposits 95.54 94.97 94.42
Asset Quality Ratios (%)
NPAs / Assets 0.36 0.48 0.61
NCOs / Avg Loans 0.01 0.16 0.16
Reserves / Loans 0.86 0.80 0.83
Reserves / NPAs 168.05 115.71 119.84
Capital Ratios (%)
Tier 1 Capital 11.99 12.00 12.58
Tangible Equity / Tangible Assets 7.52 8.95 8.82
Total Equity / Total Assets 8.88 12.64 12.03
Market Ratios
Price / Earnings (x) 17.05 14.99 15.14
Price / Book (%) 186.57 136.13 138.49
Dividend Yield (%) 2.74 3.20 3.12
Data for trailing four quarters

Tompkins Financial Corporation's peer group consists of the following: Arrow Financial Corporation (AROW), Berkshire Hills Bancorp, Inc. (BHLB), Bryn Mawr Bank Corporation (BMTC), Camden National Corporation (CAC), Community Bank System, Inc. (CBU), First Commonwealth Financial Corporation (FCF), Hudson Valley Holding Corp. (HVB), Independent Bank Corp. (INDB), National Penn Bancshares, Inc. (NPBC), NBT Bancorp Inc. (NBTB), Northwest Bancshares, Inc. (NWBI), Old National Bancorp (ONB), Park National Corporation (PRK), Provident Financial Services, Inc. (PFS), S&T Bancorp, Inc. (STBA), Sandy Spring Bancorp, Inc. (SASR), TowneBank (TOWN), Union Bankshares Corporation (UBSH), Univest Corporation of Pennsylvania (UVSP), Washington Trust Bancorp, Inc. (WASH), WSFS Financial Corporation (WSFS)

Tompkins Financial Corporation's financial data is as of 9/30/2018.

Peer financial data is as of 9/30/2018 except for these companies:

National Penn Bancshares, Inc.'s financial data is as of 12/31/2015.
Hudson Valley Holding Corp.'s financial data is as of 3/31/2015.
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