Peer Analysis

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Performance Ratios (%) OPB Peer Median Peer Average
ROAA 0.46 1.32 1.28
ROAE 3.28 10.48 10.56
Net Interest Margin 2.98 3.82 3.70
Efficiency Ratio 64.50 56.59 54.76
Loans / Deposits 92.54 90.26 88.07
Asset Quality Ratios (%)
NPAs / Assets 0.10 0.36 0.42
NCOs / Avg Loans 0.35 0.06 0.09
Reserves / Loans 0.78 0.94 0.94
Reserves / NPAs 608.57 166.56 234.26
Capital Ratios (%)
Tier 1 Capital 12.20 12.50 13.03
Tangible Equity / Tangible Assets 9.67 10.29 10.20
Total Equity / Total Assets 13.94 12.53 12.36
Market Ratios
Price / Earnings (x) 28.85 14.46 16.30
Price / Book (%) 87.42 132.87 159.32
Dividend Yield (%) 1.73 2.74 2.59
Data for trailing four quarters

Opus Bank's peer group consists of the following: Banc of California, Inc. (BANC), Bank of Hawaii Corporation (BOH), Banner Corporation (BANR), Cathay General Bancorp (CATY), Central Pacific Financial Corp. (CPF), Columbia Banking System, Inc. (COLB), CVB Financial Corp. (CVBF), Dime Community Bancshares, Inc. (DCOM), First Financial Bankshares, Inc. (FFIN), Hanmi Financial Corporation (HAFC), Heritage Financial Corporation (HFWA), HomeStreet, Inc. (HMST), Hope Bancorp, Inc. (HOPE), National Bank Holdings Corporation (NBHC), Pacific Premier Bancorp, Inc. (PPBI), Preferred Bank (PFBC), TriCo Bancshares (TCBK), Washington Federal, Inc. (WAFD), Westamerica Bancorporation (WABC), Western Alliance Bancorporation (WAL)

Opus Bank's financial data is as of 9/30/2019.

Peer financial data is as of 9/30/2019