Peer Analysis

Performance Ratios (%) RWCB Peer Median Peer Average
ROAA 1.13 0.97 0.76
ROAE 14.95 11.29 8.33
Net Interest Margin NA 3.66 3.70
Efficiency Ratio 63.52 62.96 68.62
Loans / Deposits 84.66 52.89 55.54
Asset Quality Ratios (%)
NPAs / Assets NA 0.12 2.16
NCOs / Avg Loans (0.02) (0.01) (0.04)
Reserves / Loans 1.48 1.62 1.99
Reserves / NPAs NA 284.16 284.16
Capital Ratios (%)
Tier 1 Capital NA 19.46 17.85
Tangible Equity / Tangible Assets 8.10 9.44 10.36
Total Equity / Total Assets 8.10 9.44 10.36
Market Ratios
Price / Earnings (x) 7.79 NA NA
Price / Book (%) 107.93 NA NA
Dividend Yield (%) 1.71 0.87 0.77
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 6/30/2019.

Peer financial data is as of 6/30/2019 except for these companies:

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