Peer Analysis

Performance Ratios (%) RWCB Peer Median Peer Average
ROAA 1.16 0.98 0.75
ROAE 15.71 10.88 8.05
Net Interest Margin NA 4.06 4.06
Efficiency Ratio 62.35 78.48 78.48
Loans / Deposits 87.17 56.54 56.33
Asset Quality Ratios (%)
NPAs / Assets NA 3.18 3.18
NCOs / Avg Loans NA (0.05) (0.05)
Reserves / Loans 1.46 1.60 1.98
Reserves / NPAs NA NA NA
Capital Ratios (%)
Tier 1 Capital NA 15.95 15.95
Tangible Equity / Tangible Assets 8.04 8.81 10.15
Total Equity / Total Assets 8.04 8.81 10.15
Market Ratios
Price / Earnings (x) 7.95 11.42 11.42
Price / Book (%) 114.76 NA NA
Dividend Yield (%) 1.65 1.00 0.80
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 3/31/2019.

Peer financial data is as of 3/31/2019 except for these companies:

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