Peer Analysis

Performance Ratios (%) RWCB Peer Median Peer Average
ROAA 0.97 0.89 0.68
ROAE 13.74 9.67 7.08
Net Interest Margin NA 4.07 4.07
Efficiency Ratio 62.17 78.02 78.02
Loans / Deposits NA 69.76 63.47
Asset Quality Ratios (%)
NPAs / Assets NA NA NA
NCOs / Avg Loans NA (0.05) (0.05)
Reserves / Loans NA 1.42 1.93
Reserves / NPAs NA NA NA
Capital Ratios (%)
Tier 1 Capital NA NA NA
Tangible Equity / Tangible Assets 7.09 9.45 10.72
Total Equity / Total Assets 7.09 9.45 10.72
Market Ratios
Price / Earnings (x) 10.17 NA NA
Price / Book (%) 132.58 NA NA
Dividend Yield (%) 1.56 0.93 0.70
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 (SUTB)

Redwood Capital Bancorp's financial data is as of 9/30/2018.

Peer financial data is as of 9/30/2018 except for these companies:

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