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Peer Analysis

Performance Ratios (%) FDEF Peer Median Peer Average
ROAA 1.32 1.10 1.08
ROAE 10.62 9.60 9.82
Net Interest Margin 3.90 3.40 3.47
Efficiency Ratio 60.94 58.81 57.67
Loans / Deposits 94.64 86.38 84.83
Asset Quality Ratios (%)
NPAs / Assets 1.43 1.09 0.96
NCOs / Avg Loans 0.01 0.03 0.07
Reserves / Loans 1.15 1.00 0.99
Reserves / NPAs 63.28 59.42 137.18
Capital Ratios (%)
Tier 1 Capital NA 13.74 14.06
Tangible Equity / Tangible Assets 9.43 9.85 9.53
Total Equity / Total Assets 12.54 11.01 10.86
Market Ratios
Price / Earnings (x) 15.65 20.06 20.02
Price / Book (%) 160.08 179.89 188.58
Dividend Yield (%) 2.01 2.29 2.40
Data for trailing four quarters

First Defiance Financial Corp.'s peer group consists of the following: First Busey Corporation (BUSE), Lakeland Financial Corporation (LKFN), Macatawa Bank Corporation (MCBC), MainSource Financial Group, Inc. (MSFG), MBT Financial Corp. (MBTF), Peoples Bancorp Inc. (PEBO), United Community Financial Corp. (UCFC)

First Defiance Financial Corp.'s financial data is as of 3/31/2018.

Peer financial data is as of 3/31/2018 except for these companies:

Macatawa Bank Corporation's financial data is as of 12/31/2017.
MBT Financial Corp.'s financial data is as of 12/31/2017.