Peer Analysis
Performance Ratios (%) PWOD Peer Median Peer Average
ROAA 1.03 1.26 1.08
ROAE 11.59 12.93 10.16
Net Interest Margin 3.33 3.69 3.64
Efficiency Ratio 62.66 64.95 59.69
Loans / Deposits 102.44 98.83 87.97
Asset Quality Ratios (%)
NPAs / Assets 1.23 1.15 1.60
NCOs / Avg Loans 0.06 0.08 0.35
Reserves / Loans 1.04 1.24 1.40
Reserves / NPAs 69.24 106.57 117.96
Capital Ratios (%)
Tier 1 Capital 10.66 12.88 14.59
Tangible Equity / Tangible Assets 8.28 9.46 9.76
Total Equity / Total Assets 9.27 9.55 9.99
Market Ratios
Price / Earnings (x) 13.57 11.04 10.94
Price / Book (%) 149.11 129.98 129.53
Dividend Yield (%) 3.90 1.70 1.69
Data for trailing four quarters

Penns Woods Bancorp, Inc.'s peer group consists of the following: American Bank Incorporated (AMBK), Bancorp, Inc. (TBBK), Codorus Valley Bancorp, Inc. (CVLY), Comm Bancorp, Inc. (CCBP), Eagle Bancorp, Inc. (EGBN), Unity Bancorp, Inc. (UNTY)

Penns Woods Bancorp, Inc.'s financial data is as of 9/30/2019.

Peer financial data is as of 9/30/2019 except for these companies:

Comm Bancorp, Inc.'s financial data is as of 9/30/2010.
American Bank Incorporated's financial data is as of 6/30/2019.
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