Peer Analysis

Performance Ratios (%) RWCB Peer Median Peer Average
ROAA 1.17 0.98 0.73
ROAE 16.14 10.64 7.75
Net Interest Margin NA 3.83 3.69
Efficiency Ratio 62.52 63.99 69.01
Loans / Deposits 83.08 61.38 59.20
Asset Quality Ratios (%)
NPAs / Assets NA 0.05 2.14
NCOs / Avg Loans (0.02) (0.01) (0.04)
Reserves / Loans 1.45 1.55 1.96
Reserves / NPAs NA NA NA
Capital Ratios (%)
Tier 1 Capital NA 19.46 17.37
Tangible Equity / Tangible Assets 7.49 8.80 10.26
Total Equity / Total Assets 7.49 8.80 10.26
Market Ratios
Price / Earnings (x) 7.96 11.96 11.96
Price / Book (%) 120.14 123.89 123.89
Dividend Yield (%) 1.64 1.03 0.82
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 12/31/2018.

Peer financial data is as of 12/31/2018 except for these companies:

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