Peer Analysis

Performance Ratios (%) RWCB Peer Median Peer Average
ROAA 1.00 1.09 0.86
ROAE 12.10 11.58 9.68
Net Interest Margin NA 3.44 3.64
Efficiency Ratio 69.76 62.57 69.19
Loans / Deposits 84.60 64.24 59.06
Asset Quality Ratios (%)
NPAs / Assets NA 0.02 2.12
NCOs / Avg Loans (0.22) (0.01) (0.03)
Reserves / Loans 1.61 1.73 2.05
Reserves / NPAs NA NA NA
Capital Ratios (%)
Tier 1 Capital NA 16.56 16.56
Tangible Equity / Tangible Assets 8.58 9.40 10.51
Total Equity / Total Assets 8.58 9.40 10.51
Market Ratios
Price / Earnings (x) 6.48 NA NA
Price / Book (%) 72.81 NA NA
Dividend Yield (%) 2.34 1.23 0.96
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.