Peer Analysis

Performance Ratios (%) RWCB Peer Median Peer Average
ROAA 0.97 0.89 0.70
ROAE 13.74 10.11 7.40
Net Interest Margin NA 3.82 3.64
Efficiency Ratio 62.17 63.99 69.23
Loans / Deposits 81.24 61.38 60.37
Asset Quality Ratios (%)
NPAs / Assets NA 3.19 3.19
NCOs / Avg Loans (0.02) (0.01) (0.04)
Reserves / Loans 1.44 1.42 1.92
Reserves / NPAs NA NA NA
Capital Ratios (%)
Tier 1 Capital NA 19.47 19.47
Tangible Equity / Tangible Assets 7.09 9.14 10.38
Total Equity / Total Assets 7.09 9.14 10.38
Market Ratios
Price / Earnings (x) 9.59 12.54 12.54
Price / Book (%) 125.06 124.19 124.19
Dividend Yield (%) 1.65 1.08 0.83
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 9/30/2018.

Peer financial data is as of 9/30/2018 except for these companies:

Sutter Community Bank's financial data is as of 9/30/2015.
Golden Valley Bank's financial data is as of 12/31/2018.