Performance Ratios (%) STL Peer Median Peer Average
ROAA 1.42 1.20 1.26
ROAE 9.57 10.14 10.63
Net Interest Margin 3.49 3.44 3.55
Efficiency Ratio 40.06 56.97 54.68
Loans / Deposits 95.64 94.12 90.27
Asset Quality Ratios (%) STL Peer Median Peer Average
NPAs / Assets NA 0.43 0.48
NCOs / Avg Loans 0.17 0.13 0.22
Reserves / Loans 0.50 0.79 0.82
Reserves / NPAs NA 118.53 139.36
Capital Ratios (%) STL Peer Median Peer Average
Tier 1 Capital NA 11.32 11.49
Tangible Equity / Tangible Assets 9.50 9.34 9.48
Total Equity / Total Assets 14.81 11.35 12.20
Market Ratios STL Peer Median Peer Average
Price / Earnings (x) 10.10 11.56 12.02
Price / Book (%) 92.66 110.79 121.96
Dividend Yield (%) 1.37 2.71 2.74
Data for trailing four quarters

Sterling Bancorp's peer group consists of the following: Associated Banc-Corp (ASB), Bank OZK (OZK), BankUnited, Inc. (BKU), BOK Financial Corporation (BOKF), Commerce Bancshares, Inc. (CBSH), Cullen/Frost Bankers, Inc. (CFR), East West Bancorp, Inc. (EWBC), F.N.B. Corporation (FNB), First Citizens BancShares, Inc. (FCNC.A), First Horizon National Corporation (FHN), First National of Nebraska, Inc. (FINN), Fulton Financial Corporation (FULT), Hancock Whitney Corporation (HWC), IBERIABANK Corporation (IBKC), Investors Bancorp, Inc. (ISBC), PacWest Bancorp (PACW), People's United Financial, Inc. (PBCT), Pinnacle Financial Partners, Inc. (PNFP), Prosperity Bancshares, Inc. (PB), Signature Bank (SBNY), Synovus Financial Corp. (SNV), TCF Financial Corporation (TCF), Texas Capital Bancshares, Inc. (TCBI), UMB Financial Corporation (UMBF), Umpqua Holdings Corporation (UMPQ), Valley National Bancorp (VLY), Webster Financial Corporation (WBS), Western Alliance Bancorporation (WAL), Wintrust Financial Corporation (WTFC)

Sterling Bancorp's financial data is as of 12/31/2019.

Peer financial data is as of 12/31/2019 except for these companies:

Cullen/Frost Bankers, Inc.'s financial data is as of 9/30/2019.
First Citizens BancShares, Inc.'s financial data is as of 9/30/2019.
UMB Financial Corporation's financial data is as of 9/30/2019.
Valley National Bancorp's financial data is as of 9/30/2019.
First National of Nebraska, Inc.'s financial data is as of 9/30/2019.
Prosperity Bancshares, Inc.'s financial data is as of 9/30/2019.
TCF Financial Corporation's financial data is as of 9/30/2019.
Investors Bancorp, Inc.'s financial data is as of 9/30/2019.