Peer Analysis

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Performance Ratios (%) OPB Peer Median Peer Average
ROAA 0.36 1.07 1.20
ROAE 2.80 10.30 10.13
Net Interest Margin 3.22 3.71 3.74
Efficiency Ratio 62.92 52.82 51.74
Loans / Deposits 83.37 92.59 85.66
Asset Quality Ratios (%)
NPAs / Assets 0.89 0.37 0.47
NCOs / Avg Loans 0.73 0.04 0.12
Reserves / Loans 1.54 0.98 1.00
Reserves / NPAs 119.86 162.62 210.90
Capital Ratios (%)
Tier 1 Capital 11.41 12.08 12.68
Tangible Equity / Tangible Assets 9.28 9.25 9.59
Total Equity / Total Assets 13.96 11.86 12.20
Market Ratios
Price / Earnings (x) 39.85 19.94 20.59
Price / Book (%) 98.00 196.78 200.77
Dividend Yield (%) 2.95 1.77 1.61
Data for trailing four quarters

Opus Bank's peer group consists of the following: BankUnited, Inc. (BKU), Banner Corporation (BANR), Boston Private Financial Holdings, Inc. (BPFH), Cardinal Financial Corporation (CFNL), CoBiz Financial Inc. (COBZ), Columbia Banking System, Inc. (COLB), CVB Financial Corp. (CVBF), Eagle Bancorp, Inc. (EGBN), First Financial Bankshares, Inc. (FFIN), First Republic Bank (FRC), Independent Bank Group, Inc. (IBTX), PacWest Bancorp (PACW), Prosperity Bancshares, Inc. (PB), Signature Bank (SBNY), Texas Capital Bancshares, Inc. (TCBI), Umpqua Holdings Corporation (UMPQ), Westamerica Bancorporation (WABC), Western Alliance Bancorporation (WAL)

Opus Bank's financial data is as of 9/30/2017.

Peer financial data is as of 9/30/2017 except for these companies:

Cardinal Financial Corporation's financial data is as of 3/31/2017.