Peer Analysis

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Performance Ratios (%) PFLC Peer Median Peer Average
ROAA 1.29 1.16 1.19
ROAE 11.62 10.91 10.49
Net Interest Margin 4.45 4.12 3.95
Efficiency Ratio 68.35 63.06 63.16
Loans / Deposits 85.32 83.68 84.87
Asset Quality Ratios (%)
NPAs / Assets 0.21 0.44 0.43
NCOs / Avg Loans 0.04 0.04 0.04
Reserves / Loans 1.54 1.27 1.30
Reserves / NPAs 567.68 191.14 280.41
Capital Ratios (%)
Tier 1 Capital 13.88 14.07 14.25
Tangible Equity / Tangible Assets 10.20 10.50 10.69
Total Equity / Total Assets 11.50 11.52 11.46
Market Ratios
Price / Earnings (x) 6.27 8.20 9.11
Price / Book (%) 69.89 77.02 84.46
Dividend Yield (%) 6.27 2.39 2.44
Data for trailing four quarters

Pacific Financial Corporation's peer group consists of the following: American River Bankshares (AMRB), Coastal Financial Corporation (CCB), Eagle Bancorp Montana, Inc. (EBMT), First Financial Northwest, Inc. (FFNW), First Northern Community Bancorp (FNRN), First Northwest Bancorp (FNWB), Oak Valley Bancorp (OVLY), Plumas Bancorp (PLBC), Riverview Bancorp, Inc. (RVSB), Timberland Bancorp, Inc. (TSBK)

Pacific Financial Corporation's financial data is as of 3/31/2020.

Peer financial data is as of 3/31/2020