Peer Analysis

Performance Ratios (%) RWCB Peer Median Peer Average
ROAA 1.21 1.14 0.86
ROAE 15.54 12.51 9.59
Net Interest Margin NA 3.89 3.89
Efficiency Ratio 65.44 78.08 78.08
Loans / Deposits NA 56.21 56.54
Asset Quality Ratios (%)
NPAs / Assets NA NA NA
NCOs / Avg Loans NA (0.04) (0.04)
Reserves / Loans NA 1.63 1.99
Reserves / NPAs NA NA NA
Capital Ratios (%)
Tier 1 Capital NA NA NA
Tangible Equity / Tangible Assets 8.08 9.62 10.52
Total Equity / Total Assets 8.08 9.62 10.52
Market Ratios
Price / Earnings (x) 7.98 NA NA
Price / Book (%) 114.80 NA NA
Dividend Yield (%) 1.55 0.93 0.74
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 9/30/2019.

Peer financial data is as of 9/30/2019 except for these companies:

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