Peer Analysis

Performance Ratios (%) RWCB Peer Median Peer Average
ROAA 1.00 1.11 0.87
ROAE 12.10 11.86 9.82
Net Interest Margin NA 3.87 3.87
Efficiency Ratio 69.76 76.71 76.71
Loans / Deposits 84.60 69.76 67.16
Asset Quality Ratios (%)
NPAs / Assets NA NA NA
NCOs / Avg Loans (0.22) (0.07) (0.07)
Reserves / Loans 1.61 2.24 2.13
Reserves / NPAs NA NA NA
Capital Ratios (%)
Tier 1 Capital NA NA NA
Tangible Equity / Tangible Assets 8.58 9.31 10.23
Total Equity / Total Assets 8.58 9.31 10.23
Market Ratios
Price / Earnings (x) 6.19 NA NA
Price / Book (%) 69.65 82.66 82.66
Dividend Yield (%) 2.44 1.19 0.94
Data for trailing four quarters

Redwood Capital Bancorp's peer group consists of the following: Golden Valley Bank (GVYB), Northern California National Bank (NCNB), Sutter Community Bank

Redwood Capital Bancorp's financial data is as of 3/31/2020.

Peer financial data is as of 3/31/2020 except for these companies:

Sutter Community Bank's financial data is as of 9/30/2015.