Performance Ratios (%) SIFI Peer Median Peer Average
ROAA 0.60 0.60 0.61
ROAE 5.61 6.64 6.46
Net Interest Margin 3.01 3.08 3.08
Efficiency Ratio 69.86 74.53 72.43
Loans / Deposits 103.04 109.11 108.38
Asset Quality Ratios (%)
NPAs / Assets 1.20 0.75 0.99
NCOs / Avg Loans 0.06 0.04 0.12
Reserves / Loans 1.10 0.85 0.91
Reserves / NPAs 74.35 69.74 160.95
Capital Ratios (%)
Tier 1 Capital NA 14.14 14.06
Tangible Equity / Tangible Assets 9.54 8.83 8.93
Total Equity / Total Assets 10.43 8.98 9.52
Market Ratios
Price / Earnings (x) 15.83 14.02 14.02
Price / Book (%) 88.66 139.94 139.94
Dividend Yield (%) 1.90 0.86 1.03
Data for trailing four quarters

SI Financial Group, Inc.'s peer group consists of the following: Central Bancorp, Inc. (CEBK), Hingham Institution for Savings (HIFS), Lake Sunapee Bank Group (LSBG), LSB Corporation (LSBX), Mayflower Bancorp, Inc. (MFLR), Naugatuck Valley Financial Corporation (NVSL), Western New England Bancorp, Inc. (WNEB)

SI Financial Group, Inc.'s financial data is as of 12/31/2018.

Peer financial data is as of 12/31/2018 except for these companies:

Lake Sunapee Bank Group's financial data is as of 9/30/2016.
Central Bancorp, Inc.'s financial data is as of 6/30/2012.
LSB Corporation's financial data is as of 9/30/2010.
Naugatuck Valley Financial Corporation's financial data is as of 9/30/2015.
Mayflower Bancorp, Inc.'s financial data is as of 9/30/2013.