Peer Analysis

Performance Ratios (%) RWCB Peer Median Peer Average
ROAA 1.16 0.97 0.76
ROAE 15.71 6.91 6.91
Net Interest Margin NA 3.72 3.72
Efficiency Ratio 62.35 71.45 71.45
Loans / Deposits 87.17 52.90 55.54
Asset Quality Ratios (%)
NPAs / Assets NA 3.23 3.23
NCOs / Avg Loans NA (0.05) (0.05)
Reserves / Loans 1.46 1.62 1.99
Reserves / NPAs NA 284.16 284.16
Capital Ratios (%)
Tier 1 Capital NA 20.56 20.56
Tangible Equity / Tangible Assets 8.04 11.51 11.51
Total Equity / Total Assets 8.04 11.51 11.51
Market Ratios
Price / Earnings (x) 7.86 NA NA
Price / Book (%) 113.58 NA NA
Dividend Yield (%) 1.67 0.93 0.79
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.