Peer Analysis

Performance Ratios (%) RWCB Peer Median Peer Average
ROAA 1.13 1.11 0.83
ROAE 14.01 11.97 9.40
Net Interest Margin NA 3.36 3.61
Efficiency Ratio 68.08 62.36 68.98
Loans / Deposits 85.23 62.31 59.17
Asset Quality Ratios (%)
NPAs / Assets NA 0.18 2.18
NCOs / Avg Loans (0.24) (0.01) (0.03)
Reserves / Loans 1.51 1.69 2.00
Reserves / NPAs NA 210.71 210.71
Capital Ratios (%)
Tier 1 Capital NA 19.35 17.23
Tangible Equity / Tangible Assets 8.44 9.24 10.31
Total Equity / Total Assets 8.44 9.24 10.31
Market Ratios
Price / Earnings (x) 5.23 6.67 6.67
Price / Book (%) 69.27 84.08 84.08
Dividend Yield (%) 2.50 1.40 1.02
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 12/31/2019.

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

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