Peer Analysis

Performance Ratios (%) MELR Peer Median Peer Average
ROAA 0.56 0.42 0.50
ROAE 3.94 3.44 4.50
Net Interest Margin 2.43 3.11 3.16
Efficiency Ratio 68.38 70.73 73.40
Loans / Deposits 110.44 110.59 102.66
Asset Quality Ratios (%)
NPAs / Assets NA 1.29 1.16
NCOs / Avg Loans 0.00 0.01 0.01
Reserves / Loans 0.49 0.88 0.84
Reserves / NPAs NA 63.61 135.13
Capital Ratios (%)
Tier 1 Capital NA 16.30 16.30
Tangible Equity / Tangible Assets 13.96 11.43 11.08
Total Equity / Total Assets 13.96 12.35 11.61
Market Ratios
Price / Earnings (x) 25.00 25.19 28.21
Price / Book (%) 105.28 150.48 146.93
Dividend Yield (%) 1.84 0.68 1.31
Data for trailing four quarters

Melrose Bancorp, Inc.'s peer group consists of the following: Blue Hills Bancorp, Inc. (BHBK), Chicopee Bancorp, Inc. (CBNK), Georgetown Bancorp, Inc. (GTWN), Oneida Financial Corp. (ONFC), Pilgrim Bancshares, Inc. (PLRM), Wellesley Bancorp, Inc. (WEBK)

Melrose Bancorp, Inc.'s financial data is as of 12/31/2018.

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

Oneida Financial Corp.'s financial data is as of 9/30/2015.
Georgetown Bancorp, Inc.'s financial data is as of 3/31/2017.
Chicopee Bancorp, Inc.'s financial data is as of 6/30/2016.
Pilgrim Bancshares, Inc.'s financial data is as of 9/30/2018.
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