Peer Analysis

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Performance Ratios (%) OPB Peer Median Peer Average
ROAA 0.68 1.19 1.29
ROAE 4.89 10.51 10.81
Net Interest Margin 3.15 3.82 3.77
Efficiency Ratio 64.83 52.32 51.63
Loans / Deposits 85.48 96.75 88.99
Asset Quality Ratios (%)
NPAs / Assets 0.56 0.30 0.41
NCOs / Avg Loans 0.48 0.07 0.12
Reserves / Loans 1.17 0.90 0.95
Reserves / NPAs 147.51 190.02 261.56
Capital Ratios (%)
Tier 1 Capital 12.33 12.19 12.71
Tangible Equity / Tangible Assets 9.67 9.64 9.61
Total Equity / Total Assets 14.36 11.65 12.32
Market Ratios
Price / Earnings (x) 19.42 16.36 19.27
Price / Book (%) 91.35 150.11 173.21
Dividend Yield (%) 1.73 2.38 2.13
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 6/30/2018.

Peer financial data is as of 6/30/2018 except for these companies:

Westamerica Bancorporation's financial data is as of 9/30/2018.
First Financial Bankshares, Inc.'s financial data is as of 9/30/2018.
Boston Private Financial Holdings, Inc.'s financial data is as of 9/30/2018.
Western Alliance Bancorporation's financial data is as of 9/30/2018.
Texas Capital Bancshares, Inc.'s financial data is as of 9/30/2018.
Eagle Bancorp, Inc.'s financial data is as of 9/30/2018.
Cardinal Financial Corporation's financial data is as of 3/31/2017.
Umpqua Holdings Corporation's financial data is as of 9/30/2018.
PacWest Bancorp's financial data is as of 9/30/2018.
Signature Bank's financial data is as of 9/30/2018.
First Republic Bank's financial data is as of 9/30/2018.